IDFC FIRST Bank Cashback Card Standalone

Charge

• Cash advance transaction fee: ₹199.
• Finance charge (all IDFC FIRST Bank Credit Cards): Monthly 0.71%-3.85% / Annual 8.5%-46.2%.
• Overdue interest Monthly 3.99% / Annual 47.88%.
• Late payment charges: 15% of Total Amount Due of previous statement minus payments received before due date (min ₹100, max ₹1,300).
• Over-limit charges: Nil (over-limit facility not available for Hello Cashback Credit Card).
• Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount, min ₹500.
• Reward Redemption Fee: ₹99 per redemption transaction.
• Card replacement fee: ₹199.
• Foreign currency markup: 3.50%.
• Rent & Property Management Fee: 1% of transaction value, min ₹249 (domestic only).
• Utility fair usage fee: 1% if Utility Spends exceed ₹20,000 in a statement cycle.
• Fuel Fee: 1% if Fuel Spends exceed ₹30,000 in a statement cycle.
• Passenger Railways Transaction Fee: 1% if spends exceed ₹25,000.
• Tolls and Bridges Transaction Fee: 1% if spends exceed ₹10,000.
• Education Payment Fee: 1% on education spends via third-party apps, min ₹249.
• GST: 18% on all fees, interest and charges.

Verified · MITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone) · 2026-08-03 · source

Interest-free period

• Interest-free (grace) period shall not exceed 45 days and varies depending on date of transaction and statement date.
• Not applicable if previous month's statement balance is not cleared in full by the due date.
• A 3-day grace period from the payment due date is also provided.

Verified · MITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone) · 2026-08-03 · source

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver on fuel transactions value between ₹200 and ₹5,000.
• Maximum fuel surcharge waiver of ₹100 per statement cycle (Hello Cashback Credit Card).

Verified · MITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone) · 2026-08-03 · source

Redemption value

Reward Redemption Fee: ₹99 per redemption transaction.

Verified · MITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone) · 2026-08-03 · source

Insurance

• Complimentary insurance (New India Assurance) for Hello Cashback Credit Card: Card Liability Cover (Lost Card/Counterfeit/Skimming/Online Fraud) ₹25,000.
• Personal Accident (accidental death/permanent disability) ₹2,00,000.
• Credit Shield ₹50,000.
• Purchase Protection ₹25,000.
• Cover applicable only if at least 1 Purchase/ATM Withdrawal transaction done in the last 30 days.

Verified · harvested from product page · 2026-08-03 · source