Everyday Value Credit Card with 5% Cashback on Utilities & Groceries
Households and everyday spenders seeking predictable monthly utility savings, grocery discounts, and low interest financing.
Free
One-time upfront₹1,000
Waived on ₹1 lakh annual spend5% on online spends > ₹10,000; 3% on online <= ₹10,000; 1% on retail in-store and UPI
On eligible spends0% (Zero Forex)
Cross-currency spendsLast verified 14 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IDFC FIRST Hello Cashback Credit Card is crafted to deliver practical, recurring value on essential household expenses. Featuring zero joining fee (₹0) upfront, it welcomes cardholders with immediate cost savings. The modest annual renewal fee of ₹1,000 is waived upon spending ₹1,00,000 annually, which average urban households easily achieve through monthly utilities, groceries, and telecom bills. The card's economic engine shines in essential categories: cardholders receive 5% cashback on electricity, water, gas, and mobile recharge bills paid through the bank portal, alongside 5% cashback on supermarket and grocery purchases (capped at ₹250 per month per category). All other retail transactions earn 3X reward points with lifetime validity. In line with IDFC's transparent credit features, cardholders enjoy dynamic low APRs starting at 0.75% per month and interest-free cash withdrawals for up to 48 days. While it excludes airport lounge visits, the Hello Cashback card's dependable utility rebates, zero upfront cost, and low interest rates make it an outstanding everyday card for family households.
Up to 5% Cashback on Online Spends and 1% Cashback on Other Eligible Spends, Including UPI
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Spends Above ₹10,000 | 5% cashback on incremental online purchases above ₹10,000 per billing cycle | 1,500 INR (₹)/mo | Standard terms apply |
| Top Spending Category | 5% cashback on top spending category (max ₹500/month) | 500 INR (₹)/mo | Standard terms apply |
| Online Spends Up to ₹10,000 | 3% cashback on online purchases up to ₹10,000 per billing cycle | 1,500 INR (₹)/mo | Standard terms apply |
| All Other Spends | 1% cashback on other retail transactions | No Cap | Standard terms apply |
| In-Store Purchases & UPI | 1% cashback on in-store retail card swipes and UPI payments via IDFC app | 1,500 INR (₹)/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Spends Above ₹10,000 | ₹3,000 | 5% cashback on incremental online purchases above ₹10,000 per billing cycle | — | ₹1,500/monthly | Calculating... | Under cap |
| Top Spending Category | ₹3,000 | 5% cashback on top spending category (max ₹500/month) | — | ₹500/monthly | Calculating... | Under cap |
| Online Spends Up to ₹10,000 | ₹3,000 | 3% cashback on online purchases up to ₹10,000 per billing cycle | — | ₹1,500/monthly | Calculating... | Under cap |
| All Other Spends | ₹18,000 | 1% cashback on other retail transactions | — | None | Calculating... | Under cap |
| In-Store Purchases & UPI | ₹3,000 | 1% cashback on in-store retail card swipes and UPI payments via IDFC app | — | ₹1,500/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: Nil (₹0); Annual Renewal Fee: ₹1,000 + GST (waived on annual retail spends of ₹1,00,000 or more). • Utility & Grocery Cashback: 5% cashback on utility bill payments and grocery purchases (monthly cap of ₹250 per category). • Standard Rewards: 3X reward points on all other eligible domestic retail transactions (never expiring). • Point Value: 1 Reward Point = ₹0.25; no reward redemption handling fees. • Dynamic Interest: Industry-low interest rates from 0.75% to 3.50% per month based on credit profile. • Cash Advance Feature: Zero interest on domestic ATM cash withdrawals up to 48 days (nominal transaction fee applies). • Fuel Surcharge: 1% fuel surcharge waiver up to ₹150 per month on transactions between ₹400 and ₹4,000.
Evaluate whether this card's perks and waiver threshold justify its ₹1,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding IDFC FIRST Hello Cashback Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IDFC FIRST Bank portal with paperless verification.
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