IDFC First Bank Launches FD-Linked Credit Card ‘Hello Cashback Credit Card’
On February 16, 2026, IDFC First Bank launched ‘Hello Cashback Credit Card’, a Fixed Deposit (FD)-backed credit card, designed especially for first-time users and people with no credit history.
About Hello Cashback Credit Card:
Access: It includes no eligibility conditions such as credit score or income proof. Customers can avail it by opening a minimum FD of Rs.10,000 and the credit limit is set at 100% of the FD value.
Key Features: It also integrates standard credit card functionalities, including contactless payments, Equated Monthly Installment (EMI) conversion options, and enhanced security features.
Rewards: The card offers tiered online cashback of 3% on the first Rs.10,000 of online spending on a billing cycle and 5% on spends beyond Rs.10,000, along with 1% cashback on Unified Payment Interface (UPI) payments made through IDFC FIRST Bank applications(app).
Joining Fees: The card requires a Rs.1000 joining fee, waived until March 31, 2026, and an annual fee of Rs.1,000 which is fully waived on annual spends of Rs.2 lakh or more and 50% waived on Rs.1 lakh spends.

• It also includes benefits such as Rs.2 lakh personal accident cover of Rs.25,000 purchase protection and fuel surcharge waivers.