Hello Cashback Credit Card
Cashback for everyone, on every spend that matters
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.00% travel · 1.00% dining · 1.00% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs HDFC Millennia
At ₹50,000/month with 15% travel and 10% dining.
Tools for Hello Cashback Credit Card holders
Frequently asked
Is the Hello Cashback Credit Card worth the ₹1,000 fee?
It depends on your spend. The Hello Cashback Credit Card earns 1% base reward and waives the annual fee at ₹2,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for Hello Cashback Credit Card?
IDFC First hasn't published a hard minimum income for Hello Cashback Credit Card. Approval depends on credit score, existing relationship, and employment type.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.