IDFC FIRST Bank · Entry
Hello Cashback
Where it ranks across all 187 cards
#3 Wallet load
3.0%
direct
#9 Gaming
3.0%
direct
#11 Mobile / broadband
3.0%
direct
#14 Train tickets
3.0%
direct
#15 Health & pharmacy
3.0%
direct
#19 Cabs & transit
3.0%
direct
#20 Electronics
3.0%
direct
#22 Groceries
3.0%
direct
#22 Flights
3.0%
direct
portal reaches 4.0%
#22 Hotels
3.0%
direct
portal reaches 4.0%
#27 Online shopping
3.0%
direct
#27 Movies & events
3.0%
direct
#28 Fashion
3.0%
direct
#29 Food delivery
3.0%
direct
#4 Government / tax
2.1%
direct
#30 Education
1.0%
direct
#31 Insurance
1.0%
direct
#40 Utility bills
1.0%
direct
#54 Jewellery & watches
1.0%
direct
#80 Other
1.0%
direct
#104 Dining out
1.0%
direct
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Reward rules4 direct
Base rate - everything not covered below
0.00%base rate
0% cashback
source
Source: IDFC FIRST Hello Cashback Credit Card - idfcfirst.bank.in - read 30 Sep 2026
1% cashback on utilities, insurance and education
1.00%this rule
1% cashback
source
Source: IDFC FIRST Hello Cashback Credit Card - idfcfirst.bank.in - read 30 Sep 2026
3% cashback on online spends up to Rs 10,000
3.00%this rule
3% cashback
how it works & source
Online spends above Rs 10,000 in a cycle earn 5%; counted here at the 1% floor.
Source: IDFC FIRST Hello Cashback Credit Card - idfcfirst.bank.in - read 30 Sep 2026
1% cashback on in-store and bills
1.00%this rule
1% cashback
source
Source: IDFC FIRST Hello Cashback Credit Card - idfcfirst.bank.in - read 30 Sep 2026
Via portals & vouchersdisplay, never ranks
4% on hotels and flights booked via the IDFC FIRST app (3% + 1% bonus)
via idfc app · Rs 400 a cycle (4% of the first Rs 10,000 online), within the card Rs 1,500
source & note
Counted at the 3% online rate plus the 1% app bonus; online spends above Rs 10,000 earn 5% + 1%.
Source: IDFC FIRST Hello Cashback: "additional 1% cashback on hotel and flights booking via bank app" - idfcfirst.bank.in - read 1 Oct 2026
4.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, EMI
earns nothing
All spends qualify for cashback except fuel, ATM cash withdrawals, EMI, and UPI spends done through other UPI apps (GPay, PhonePe, Paytm etc).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, EMI
Source: IDFC FIRST Hello Cashback - idfcfirst.bank.in - read 30 Sep 2026