IDFC FIRST Hello Cashback
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Hello Cashback is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
CardIQ editorial view
Our take
IDFC FIRST Hello Cashback is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise shopping rewards.
- Applicants comfortable backing the card with the issuer's required fixed deposit.
Key strengths
- 3% on eligible online spends up to ₹10,000 per cycle; 5% on incremental online spend above ₹10,000.
Trade-offs to understand
- Online cashback capped at ₹1,000 and total cashback at ₹1,500 per statement cycle.
- 1% on eligible in-store/essential purchases and UPI through the IDFC app; other UPI apps, fuel, EMI and cash withdrawals earn no cashback.
- Requires a fixed deposit of at least ₹10,000; 0% foreign-currency markup.
CardIQ verdict
Consider it when the fixed-deposit route is useful to you; compare the deposit requirement and exit conditions before applying.
Compare before deciding
- IDFC FIRST Quantum+ — A lower-fee way to compare similar strengths in shopping rewards and international spending.
- HDFC Bank Millennia — A similarly priced alternative for comparing shopping rewards and online spending.
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Benefits, limits and conditions
- Online cashback capped at ₹1,000 and total cashback at ₹1,500 per statement cycle.
- 1% on eligible in-store/essential purchases and UPI through the IDFC app; other UPI apps, fuel, EMI and cash withdrawals earn no cashback.
- Requires a fixed deposit of at least ₹10,000; 0% foreign-currency markup.