IDFC FIRST Hello Cashback vs IDFC FIRST Quantum+

Compare IDFC FIRST Hello Cashback and IDFC FIRST Quantum+ on annual fees, joining fees, rewards, benefits and important limitations.

IDFC FIRST Hello Cashback

IDFC FIRST Bank

3% on eligible online spends up to ₹10,000 per cycle; 5% on incremental online spend above ₹10,000

Annual fee: ₹1,000 + GST (waived on ₹2 lakh eligible annual spend)

Joining fee: ₹1,000 + GST standard fee; ₹0 joining offer until 31 October 2026

Network: RuPay

IDFC FIRST Hello Cashback is a secured card for people building or rebuilding credit while keeping rewards secondary to access.

IDFC FIRST Bank

1% on eligible online spend up to ₹10,000 per cycle; 2% on incremental online spend above ₹10,000

Annual fee: No fee

Joining fee: No fee

Network: RuPay

IDFC FIRST Quantum+ is a secured card for people building or rebuilding credit while keeping rewards secondary to access.

A lower-fee way to compare similar strengths in shopping rewards and international spending.
A higher-fee option to compare for broader benefits around shopping rewards and international spending.

Facts were last checked 2026-10-09. Follow each card page to the linked issuer terms before applying.