{"id":3827,"date":"2026-01-20T19:00:00","date_gmt":"2026-01-20T13:30:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=3827"},"modified":"2026-01-21T09:56:24","modified_gmt":"2026-01-21T04:26:24","slug":"idfc-first-bank-launches-cashback-credit-card-earn-cashbacks-of-up-to-18000-annually","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/idfc-first-bank-launches-cashback-credit-card-earn-cashbacks-of-up-to-18000-annually\/","title":{"rendered":"IDFC First Bank Launches Cashback Credit Card: Earn Cashbacks of Up to \u20b918,000 Annually"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong> <em>The IDFC FIRST Bank of India has launched its first cashback credit card \u2018IDFC FIRST Hello Cashback Rupay Credit Card\u2019, which offers a variety of features, cashbacks and benefits for the users. It is a FD-backed assured credit card which rewards for everyday spends.\u00a0<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>This card provides cashback upto 5% on every online spends and also gives cashback on a variety of unique categories like FASTag recharges, railways, utility, jewellery, and many more.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3609897380\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-more-about-the-card\"><strong>More about the card:<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No Income proof required for this card. This card can be acquired against Fixed Deposit.<\/li>\n\n\n\n<li>Certain exemptions include online spends done on essential categories and fuel will not count towards the INR 10000 online spends milestone.\u00a0<\/li>\n\n\n\n<li>All spends qualify for cashback except: fuel, ATM cash withdrawals, EMI, UPI spends done through any other UPI apps.\u00a0<\/li>\n\n\n\n<li>Apply it by filling in the details, book a fixed deposit, complete the KYC process and then your card is activated.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-features-of-the-card\"><strong>\u00a0Features of the Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Introductory offer (NIL joining fee) helps the users get the card without any joining fee. Annual fee of INR 1000 (waived on INR 2L of annual spends) and a minimum FD amount of INR 10000.\u00a0<\/li>\n\n\n\n<li><strong>1%<\/strong> cashback on UPI spends, this can be earned by scanning and paying through the IDFC FIRST bank app and get the cashback instantly.<\/li>\n\n\n\n<li>Up to <strong>5%<\/strong> cashback benefit which worth <strong>INR 18000 per year<\/strong> on spends across various categories. This works based on the spending of the user (The more you spend, the more you get).<\/li>\n\n\n\n<li>Access funds without breaking your FD, Interest free cash withdrawal for up to 45 days at a nominal fee of INR 199+GST.<\/li>\n\n\n\n<li>Up to 6% cashback on travel bookings, User can earn additional 1% cashback on hotel and flight bookings if done via bank app.<\/li>\n\n\n\n<li>Doubling up benefits on your FD, i.e. earning interest on FD and cashback on your card. This helps build credit history and no income proof is required to obtain the card.<\/li>\n\n\n\n<li>Increase your credit limit instantly by linking multiple FDs or creating an additional FD starting at INR 5000.<\/li>\n\n\n\n<li>100% limit against FDs with deposits starting at INR 10000.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-extra-privileges\"><strong>Extra privileges<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Personal accident cover of INR 2,00,000<\/li>\n\n\n\n<li>Lost card liability cover of INR 25000 valid only on making at least one transaction on Hello cashback credit card in the last 30 days.\u00a0<\/li>\n\n\n\n<li>1% fuel surcharge waiver up to INR 100 in a statement cycle at all fuel stations across India on transactions between INR 200-5000.<\/li>\n\n\n\n<li>24\/7 roadside assistance for any emergencies while traveling. Valid only up to 4 times in a year and only on Hello Cashback credit card.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/hdfc-diners-club-black-vs-axis-atlas-which-premium-credit-card-offers-better-travel-perks-in-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">HDFC Diners Club Black vs Axis Atlas: Which Premium Credit Card Offers Better Travel Perks in 2026?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cashback-structure\"><strong>Cashback structure<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Online spends for INR 10000 or lesser are eligible for a cashback of 3% and Incremental online spends greater than INR 10000 are eligible for 5% cashback.\u00a0<\/li>\n\n\n\n<li>Offline spends are eligible only for 1% cashback.<\/li>\n\n\n\n<li>UPI spends on IDFC FIRST bank mobile app is also eligible for 1% cashback.\u00a0<\/li>\n\n\n\n<li>Any spends related to essentials are also eligible for 1% cashback.\u00a0<\/li>\n\n\n\n<li>Travel bookings if made via IDFC FIRST bank mobile app have a bonus of 1% cashback.\u00a0<\/li>\n<\/ol>\n\n\n\n<p><strong>NOTE: <\/strong>These are eligible only for IDFC FIRST bank cardholders and only if his\/her card account and all linked accounts are valid and in good standing i.e. there are no amounts overdue at the time of cashback posting.\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-milestone-benefits\"><strong>Milestone Benefits<\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>On spends of INR 2,00,000 or more in a card anniversary year, annual fee of INR 1000+GST will be reversed.<\/li>\n\n\n\n<li>On spending between 1,00,000-2,00,000 rupees in a card anniversary year, the annual fee of INR 500+GST will be reversed.<\/li>\n<\/ol>\n\n\n\n<p>NOTE: This excludes ATM cash withdrawals, monthly EMIs, Balance transfer transactions, fee and charges.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2251928479\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<p>The card also offers complimentary coverage including card liability cover for lost card, counterfeit, skimming, and online fraud on the cardholder\u2019s IDFC FIRST Bank credit card, with a sum insured of INR 25,000. It also provides personal accident cover for accidental death or permanent disability by visible or violent means, payable only once, with a sum insured of INR 2,00,000. In addition, a credit shield cover protects against outstanding card debits in the event of the cardholder\u2019s accidental death, with a sum insured of INR 50,000. Purchase protection is also included, covering loss due to fire or burglary at the cardholder\u2019s residence for 60 days from the date of purchase, with a sum insured of INR 25,000. All covers are applicable only if the cardholder has completed at least one purchase or ATM withdrawal using the IDFC FIRST card in the last 30 days.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1572748114\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Vijai Krishna<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: The IDFC FIRST Bank of India has launched its first cashback credit card \u2018IDFC FIRST Hello Cashback Rupay Credit Card\u2019, which offers a variety of features, cashbacks and benefits for the users. It is a FD-backed assured credit card which rewards for everyday spends.\u00a0 This card provides cashback upto 5% on every online spends [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3834,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[513,1545,1546,1544],"ppma_author":[1013],"class_list":["post-3827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-best-cashback-credit-cards","tag-cashback-credit-card","tag-idfc-best-cashback-credit-card","tag-idfc-first-hello-cashback-credit-card"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IDFC First Bank Launches Cashback Credit Card: Earn Cashbacks of Up to \u20b918,000 Annually<\/title>\n<meta name=\"description\" content=\"The IDFC FIRST Bank of India has launched its first cashback credit card \u2018IDFC FIRST Hello Cashback Rupay Credit Card\u2019, which offers a variety of features, cashbacks and benefits for the users. It is a FD-backed assured credit card which rewards for everyday spends.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/idfc-first-bank-launches-cashback-credit-card-earn-cashbacks-of-up-to-18000-annually\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IDFC First Bank Launches Cashback Credit Card: Earn Cashbacks of Up to \u20b918,000 Annually\" \/>\n<meta property=\"og:description\" content=\"The IDFC FIRST Bank of India has launched its first cashback credit card \u2018IDFC FIRST Hello Cashback Rupay Credit Card\u2019, which offers a variety of features, cashbacks and benefits for the users. It is a FD-backed assured credit card which rewards for everyday spends.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tradebrains.in\/money\/idfc-first-bank-launches-cashback-credit-card-earn-cashbacks-of-up-to-18000-annually\/\" \/>\n<meta property=\"og:site_name\" content=\"Trade Brains Money\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-20T13:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-21T04:26:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/credit-card.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Trade Brains\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"IDFC First Bank Launches Cashback Credit Card: Earn Cashbacks of Up to \u20b918,000 Annually\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Trade Brains\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tradebrains.in\/money\/idfc-first-bank-launches-cashback-credit-card-earn-cashbacks-of-up-to-18000-annually\/\",\"url\":\"https:\/\/tradebrains.in\/money\/idfc-first-bank-launches-cashback-credit-card-earn-cashbacks-of-up-to-18000-annually\/\",\"name\":\"IDFC First Bank Launches Cashback Credit Card: Earn Cashbacks of Up to \u20b918,000 Annually\",\"isPartOf\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/tradebrains.in\/money\/idfc-first-bank-launches-cashback-credit-card-earn-cashbacks-of-up-to-18000-annually\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/tradebrains.in\/money\/idfc-first-bank-launches-cashback-credit-card-earn-cashbacks-of-up-to-18000-annually\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/credit-card.jpg\",\"datePublished\":\"2026-01-20T13:30:00+00:00\",\"dateModified\":\"2026-01-21T04:26:24+00:00\",\"author\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#\/schema\/person\/b2727abbc1b037c476a03d78c5f7d1cd\"},\"description\":\"The IDFC FIRST Bank of India has launched its first cashback credit card \u2018IDFC FIRST Hello Cashback Rupay Credit Card\u2019, which offers a variety of features, cashbacks and benefits for the users. 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