IDFC FIRST Bank Hello Cashback

Interest-free period

• Interest-free (grace) period shall not exceed 45 days and varies depending on the date of transaction and statement date.
• Not applicable if the previous month's statement balance has not been cleared in full on or before the due date.

Verified · harvested from product page · 2026-07-30 · source

Charge

• Cash advance transaction fee: ₹199.
• Finance/Interest charge: 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 before due date (min ₹100, max ₹1,300).
• Over-limit charges: Nil (over-limit facility not available for Hello Cashback).
• Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount (min ₹500).
• Foreign currency & DCC markup: 3.50%.
• Reward Redemption Fee: ₹99 per redemption transaction.
• Card replacement fee: ₹199.
• Fee on cash payment at branches: NIL.
• Duplicate statement request: NIL.
• GST: 18% on all fees, interest and charges.
• Rent & Property Management Fee: 1% of transaction value (min ₹249, domestic only).
• Utility fair-usage fee: 1% if total utility spends in a statement cycle exceed ₹20,000.
• Fuel Fee: 1% if total fuel spends exceed ₹30,000 in a cycle.
• Passenger Railways Transaction Fee: 1% if total railway spends exceed ₹25,000 in a cycle.
• Tolls and Bridges Transaction Fee: 1% if spends exceed ₹10,000 in a cycle.
• Education Payment Fee: 1% on education spends via third-party apps (min ₹249 per transaction).

Verified · harvested from product page · 2026-07-30 · source

Fuel surcharge waiver

• 1% Fuel Surcharge waiver up to ₹100 per Statement Cycle for Fuel spends between ₹200 and ₹5,000.
• GST on Fuel surcharge will not be reversed.

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Reward cap

• Maximum Cashback on Online spends (Category 1) is ₹1,000 per Statement Cycle.
• Maximum Cashback across all Eligible spends is ₹1,500 per Statement Cycle.
• Bonus Cashback on Travel bookings is included within the ₹1,500 cap.

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Redemption value

• 1 Cashback = ₹1.
• Cashback is credited directly to the Credit Card Account (no catalogue/coupon redemption).
• Cashback is posted 1 day after Payment Due Date, subject to payment of at least Minimum Amount Due by PDD.

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Reward exclusion

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Milestone benefit

• Annual Fee reversal on milestone spends: ₹1,000 + GST reversed on spends of ₹2,00,000 or more in a Card Anniversary Year.
• ₹500 + GST reversed on spends between ₹1,00,000 (including) and ₹2,00,000 in a Card Anniversary Year.

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Travel benefit

• Flight & hotel bookings via IDFC FIRST Bank Mobile App for cardholder and immediate family members.
• In case of booking cancellations, payments done via Credit Card are processed and credited to source account within 7 business days from the date of cancellation.
• Bonus Cashback credited by 5th of the next calendar month post completion of travel/check-in.
• Applicable only on e-commerce and full swipe transactions (not EMI).
• Not credited for cancelled bookings.

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Statement credit

• Eligible Cashback is posted on the Cashback Posting Date, which is 1 day after the Payment Due Date (PDD + 1), subject to realisation of at least the Minimum Amount Due on or before the Payment Due Date.
• If MAD is not realised by PDD, cashback for the statement cycle is forfeited.

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Insurance

• Complimentary insurance via New India Assurance (broker Marsh India): Card Liability Cover (Lost Card Liability, Counterfeit, Skimming, Online Fraud) INR 25,000.
• Personal Accident INR 200,000.
• Credit Shield INR 50,000.
• Purchase Protection INR 25,000 (valid 60 days from purchase).
• All covers require at least 1 Purchase/ATM withdrawal in the last 30 days prior to the event.
• Available on both Primary and Add-on Cards.
• Travel insurance covers international travel only when ticket purchased using the card.

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Eligibility

• Cashback is credited only when at least the Minimum Amount Due (MAD) is realised on or before the Payment Due Date (PDD).
• If MAD is not realised by PDD, Cashback earned for that Statement Cycle is forfeited.
• Cardholder must have Card Account and all linked accounts in good standing with no amounts overdue at time of Cashback posting.

Verified · Hello Cashback Credit Card – Product Feature Document / Terms & Conditions (includes cashback/rewards program terms) · 2026-07-30 · source

Official terms

https://www.idfcfirst.bank.in/credit-card/hello-cashback-credit-card.

Verified · Hello Cashback product page · 2026-07-30 · source