Features
- Earn Up to ₹18,000 Cashback Every Year!
- Up to 5% Cashback on online spends
- 1% Cashback on UPI spends via IDFC FIRST Bank Mobile App
- 1% Cashback on in-store swipes & essential categories (utility, insurance, education, etc.)
- Bonus 1% Cashback on hotel & flight bookings via IDFC FIRST Bank App
- 1% Fuel Surcharge Waiver
Fees & Charges
- Joining Fee – NIL
- Annual Fee - ₹1,000 + GST, NIL (on annual spends of ₹2L or more)
- Minimum FD Amount is ₹10,000
Target Audience
- Ideal for users with low or no credit score (CIBIL score below 700)
- Age group: 21 to 65 years
- Employment type: Both salaried and self-employed individuals
- Location: Urban and semi-urban residents (where digital onboarding is smooth)
- Credit barriers: Those rejected for unsecured cards or loans due to limited credit history
- Intent: Looking to build credit score, get access to future credit (loans, unsecured cards)
Application Process
Share ‘IDFC Hello Cashback Credit Card’ link to everyone in your contact (Friends/customers).
Ask customers to click on the link and enter their name & mobile number, pan no, pincode to continue.
The customer will be redirected to the IDFC Bank official page.
STEP 1: Fill in your details and Apply
STEP 2: Book fixed deposit
STEP 3: Complete KYC process
STEP 4: Your Hello Cashback Credit Card is ready!
Documents Required
- Aadhaar Card
- PAN Card
Terms & Conditions
Not Eligible for Payout ETB (Existing IDFC Bank Credit Card Holders) — No payout applicable
Eligibility & Process for New Customers:
1.The customer must apply using your unique tracking link.
2.Ensure the entire application is completed in a single session (no breaks or restarts).
3.The customer must book a Fixed Deposit (FD) of minimum ₹10,000.
4.The customer must complete VKYC and activate the credit card.
