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IDFC Hello Cashback Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
None
Cashback Rate
3% cashback on online spends upto INR 10,000.
On online spends above INR 10,000 in a month cashback rate is 5%.
Cashback rate on UPI spends via the bank app: 1%.
Extra cashback on hotel and air ticket booking through the IDFC app: 1%.
Cashback on utility, in store swipe, education etc.: 1%.
Movie Benefits
None
Dining Benefits
None.
Other Benefits
Free roadside assistance worth INR 1399 4 times a year.
Lost card liability cover of INR 25,000
Free personal accident cover of INR 2 Lakhs.
Annual fee is reversed on spending INR 2 lakh or more in a year.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
None
Cashback Rate
3% cashback on online spends upto INR 10,000.
On online spends above INR 10,000 in a month cashback rate is 5%.
Cashback rate on UPI spends via the bank app: 1%.
Extra cashback on hotel and air ticket booking through the IDFC app: 1%.
Cashback on utility, in store swipe, education etc.: 1%.
Movie Benefits
None
Dining Benefits
None.
Other Benefits
Free roadside assistance worth INR 1399 4 times a year.
Lost card liability cover of INR 25,000
Free personal accident cover of INR 2 Lakhs.
Annual fee is reversed on spending INR 2 lakh or more in a year.
Lounge Access
None.
Fees & Charges of
IDFC Hello Cashback Credit Card
Joining Fee
INR 0
Annual Fee
INR 1,000
Cash Advance Fee
2.5%
Interest rate
Interest Rate: Monthly rate: - 0.71% - 3.85%. Annual Rate: 8.5% - 46.2%.
Late Payment Fee
Late payment fee: Up to ₹1000 + 2.5% of the outstanding amount, whichever is higher
Foreign Currency Transactions Fee
3.5%
Other Fees
Balance transfer fee: 1% of the amount transferred, with a minimum of ₹250 and a maximum of ₹3,000
Joining Fee
INR 0
Annual Fee
INR 1,000
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: Monthly rate: - 0.71% - 3.85%. Annual Rate: 8.5% - 46.2%.
Late Payment Fee
Late payment fee: Up to ₹1000 + 2.5% of the outstanding amount, whichever is higher
Foreign Currency Transactions Fee
3.5%
Other Fees
Balance transfer fee: 1% of the amount transferred, with a minimum of ₹250 and a maximum of ₹3,000
Fee and Charges of
IDFC Hello Cashback Credit Card
Special Features
5% cashback on online spends above INR 10,000 in a month.
Eligibility Criteria
Age Limit Criteria: 18 to 80 years
The applicant must qualify as an Indian resident citizen with a current and permanent residential address in India
The applicant is required to create and maintain a minimum fixed deposit of ₹10,000.
Speical Feature, Eligibility and Benefits of
IDFC Hello Cashback Credit Card
How to apply for Credit Card?
Visit the IDFC FIRST Bank website or app.
Choose "Apply for Credit Card" and select the IDFC Hello Cashback variant.
Fill out the online application form with details like your name, contact information, income, and employment.
Upload scanned copies of the required documents (PAN card, address proof, income proof).
Apply and wait for processing.
Contact Details
N/A
Account Opening and Procedure of
IDFC Hello Cashback Credit Card
Product Review of
IDFC Hello Cashback Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
IDFC Hello Cashback Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
