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IDFC BANK
A fixed-deposit-backed card approved without income proof or a credit score, paying 3% to 5% online inside a ₹1,500 monthly ceiling.
One-time
Waived on ₹2,00,000/yr
Capped at ₹1,000/billing cycle
Standard approval
Applying takes you to IDFC BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms confirmed against the issuer
2 reward rates with their own caps, 7 recorded limitations, and every figure below traced to a source.
See where each figure came fromOnline shopping
Pays up to ₹1,000 a billing cycle — reached at about ₹33,333 of spend
Everything else
Pays up to ₹1,500 a billing cycle — reached at about ₹1,50,000 of spend
These rates share one ceiling: ₹1,500 a month across the card, not per category.
UPI cashback is earned only through the IDFC FIRST Bank app — not through Google Pay, PhonePe or Paytm All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Online shopping — 3% on online spends up to ₹10,000 a cycle and 5% above that, with online cashback capped at ₹1,000 a cycle. No merchant restriction., up to ₹1,000 per billing cycle.
Biggest limitation
All cashback stops at ₹1,500 a statement cycle, with online capped at ₹1,000 inside that. About ₹24,000 of online spend a month reaches the online ceiling.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3%
cappedOnline shopping
Pays up to ₹1,000 per billing cycle — reached at about ₹33,333 of spend.
3% on online spends up to ₹10,000 a cycle and 5% above that, with online cashback capped at ₹1,000 a cycle. No merchant restriction.
1%
cappedEverything else
Pays up to ₹1,500 per billing cycle — reached at about ₹1,50,000 of spend.
1% on in-store purchases, on UPI through the IDFC FIRST Bank app, and on essential categories including utilities, education, insurance, FASTag, rent and government payments
Cashback is credited directly; there is no points programme.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹1,000 | — |
| Annual / renewal fee | ₹1,000 | Fully reversed on ₹2,00,000 of annual spend; half reversed between ₹1,00,000 and ₹2,00,000. ATM withdrawals, EMIs and fees do not count. |
| Add-on card | As per IDFC FIRST Bank Hello Cashback Credit Card add-on card policy | — |
| Cash withdrawal | ₹199 | Flat ₹199 + GST per cash withdrawal |
| Late payment | Slab-based late payment charges per IDFC FIRST Bank MITC, applicable if Minimum Amount Due is not paid by the due date | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹2,00,000 a year
is what it takes to keep the ₹1,000 fee off — about ₹16,667 a month
Not offered on this card.
1% waiver. 1% waiver on transactions between ₹200 and ₹5,000, capped at ₹100 a statement cycle.
1% on UPI spends. RuPay UPI linkage through the IDFC FIRST Bank app, earning 1%. UPI through other apps earns nothing.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
2
spend thresholds you can reach again each year
No welcome benefit is recorded.
Spend ₹2,00,000 a year — about ₹16,667 a month
Annual fee fully reversed on ₹2,00,000 of spend, excluding ATM withdrawals, EMIs and fees.
Spend ₹1,00,000 a year — about ₹8,333 a month
Half the annual fee reversed on spend between ₹1,00,000 and ₹2,00,000.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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DBS BankDBS Vantage Credit Card₹20,000| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IDFC FIRST Hello Cashback Credit Card · this card | ₹1,000 | 3% online shopping | No |
| IDFC FIRST EA₹N Credit Card | ₹499 | Up to 1% cashback | No |
| IndiGo IDFC FIRST Dual Credit Card | ₹4,999 | Up to 6 reward points per ₹100 | No |
| IDFC FIRST WOW! Black Credit Card | ₹750 | Up to 16.7% rewards | Included |
| IndiGo IDFC FIRST Dual Credit Card (FD-Backed) | ₹4,999 | Up to 1.49% back | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹1,000 plus GST, waived on ₹2,00,000 of annual spend.
The strongest published rate is 3% on online shopping, capped at ₹1,000 per billing cycle — so roughly ₹33,333 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. RuPay UPI linkage through the IDFC FIRST Bank app, earning 1%. UPI through other apps earns nothing.
UPI cashback is earned only through the IDFC FIRST Bank app — not through Google Pay, PhonePe or Paytm Fuel, ATM Cash withdrawals, EMI, UPI apps, Balance transfers Fuel, ATM Cash withdrawals, EMI, UPI apps (GPay, PhonePe, Paytm etc.), Balance transfers
IDFC BANK publishes about ₹25,000 a month for salaried applicants. Meeting the criteria is not an approval — the issuer decides.
Cashback is credited directly; there is no points programme.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
A fixed-deposit-backed secured RuPay credit card from IDFC FIRST Bank offering up to 5% cashback on online spends and 1% on UPI, in-store and essential-category spends.
A minimum single-held fixed deposit of ₹10,000 with auto-renewal and reinvest mode enabled is required, with a lien marked on the FD amount.
₹1,000 plus GST joining fee (waived as a launch offer only until March 31, 2026) and ₹1,000 plus GST annual fee from year two, reversible on annual spend.
3% cashback on online spends up to ₹10,000 per statement cycle, and 5% on incremental online spends beyond that, with online cashback capped at ₹1,000 per cycle.
No, the 1% UPI cashback applies only to transactions made by linking the RuPay card to UPI within the IDFC FIRST Bank mobile app, not third-party UPI apps.
No, since the card is secured against a fixed deposit, no income proof or credit score is required for approval.
Yes, the annual fee is 100% reversed on annual spends of ₹2,00,000 or more, and 50% reversed on spends between ₹1,00,000 and ₹2,00,000.
Total cashback across all categories, including online, UPI, essentials and travel bonus, is capped at ₹1,500 per statement cycle.
No, the IDFC FIRST Hello Cashback Credit Card does not include complimentary domestic or international lounge access.
Hello Cashback offers stronger online cashback rates (up to 5%) for digital-first spenders, while FIRST EA₹N focuses on flat UPI and everyday cashback. Compare both on CredSpy to match your spending pattern.
The IDFC FIRST Hello Cashback Credit Card is a fixed-deposit-backed RuPay card built for first-time credit users, students and digitally active spenders. With up to 5% cashback on online spends, 1% on UPI and essentials, and no income-proof requirement, it's a practical entry point into credit. Compare it on CredSpy or use our AI Card Finder for alternatives.
Annual Fee: ₹1,000+GST from year 2 (waivable) | Cashback: up to 5% online / 1% UPI & essentials / up to 6% travel | Lounge: None | Min FD: ₹10,000 | Network: RuPay
CredSpy Pro Tip
Joining: ₹1,000+GST (launch waiver ended Mar 31, 2026) | Annual (Yr2+): ₹1,000+GST, reversible | Cash withdrawal: ₹199+GST | Fuel waiver: 1% on ₹200–₹5,000, capped ₹100/cycle | Min FD: ₹10,000
Important Notice (2026)
CredSpy Verdict — 3.7/5
Quick Facts
This card is secured against a fixed deposit, so approval does not rest on a salary figure or a bureau score. Applicants from 18 to 80 qualify — salaried, self-employed, students, homemakers and freelancers alike — provided they can place the deposit.
What the bank asks for:
Because approval follows the deposit rather than your bureau file, this is one of the few cards a first-time borrower can obtain with no credit history at all. Confirm how your profile scores with the eligibility checker.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IDFC FIRST Hello Cashback Credit Card — 3% on online shopping, up to ₹1,000 per billing cycle. ₹1,000 a year.