IDFC Hello Cashback credit card credit card
Joining Fee:

FREE

Return Percentage:

NA

Apply Now

Credit Card Overview

A simple FD-backed cashback credit card that gives you up to 5% cashback on online spends, 1% on UPI and offline spends, and a total cashback cap per statement while letting you earn interest on your fixed deposit linked to the card.

Best Suited For:

IDFC logoIDFCRuPay

Fees and charges at a glance

Annual fee
₹1,000

Charged every year you keep the card

Joining fee
Free

No cost to get the card

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
47.88% p.a.

Only if you don't pay the full bill

IDFC Hello Cashback credit card — Earn Categories

Where you earn more

  • Flights via IDFC4 Cashback / ₹100

Other categories

  • Online Spends > ₹10,0005 Cashback / ₹100

    Cashback on online spends capped at ₹1,000 in a statement cycle.|Total Cashback capped at ₹1,500 in a statement cycle.

Everyday rate

  • Base Rewards1 Cashback / ₹100

2 more earning categories on this card

We track all 5 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Government
  • Jewellery
  • FasTag
  • Gift Cards
  • Railways
  • Education
  • EMI
  • Fuel
  • UPI (Third-Party)
  • Utilities
  • Rent
  • Wallets
  • Insurance