IDFC FIRST Bank Cashback Card Standalone
IDFC FIRST Bank
Annual / renewal fee
₹1,000.
VerifiedMITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone)3 Aug 2026, 10:35 AM ISTIDFC FIRST Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Cashback Card Standalone by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Annual / renewal fee
₹1,000.
VerifiedMITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone)3 Aug 2026, 10:35 AM ISTIDFC FIRST Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
Redemption value
Reward Redemption Fee: ₹99 per redemption transaction.
VerifiedMITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone)3 Aug 2026, 10:35 AM ISTIDFC FIRST Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Complimentary insurance (New India Assurance) for Hello Cashback Credit Card: Card Liability Cover (Lost Card/Counterfeit/Skimming/Online Fraud) ₹25,000.
- Personal Accident (accidental death/permanent disability) ₹2,00,000.
- Credit Shield ₹50,000.
- Purchase Protection ₹25,000.
- Cover applicable only if at least 1 Purchase/ATM Withdrawal transaction done in the last 30 days.
Verifiedharvested from product page3 Aug 2026, 10:35 AM ISTIDFC FIRST Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.50% markup on foreign currency transactions and Dynamic & Static Currency Conversion transactions (Hello Cashback Credit Card falls under 'for all cards except below').
VerifiedMITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone)3 Aug 2026, 10:35 AM ISTIDFC FIRST Bank
Charge
- Cash advance transaction fee: ₹199.
- Finance charge (all IDFC FIRST Bank Credit Cards): Monthly 0.71%-3.85% / Annual 8.5%-46.2%.
- Overdue interest Monthly 3.99% / Annual 47.88%.
- Late payment charges: 15% of Total Amount Due of previous statement minus payments received before due date (min ₹100, max ₹1,300).
- Over-limit charges: Nil (over-limit facility not available for Hello Cashback Credit Card).
- Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount, min ₹500.
- Reward Redemption Fee: ₹99 per redemption transaction.
- Card replacement fee: ₹199.
- Foreign currency markup: 3.50%.
- Rent & Property Management Fee: 1% of transaction value, min ₹249 (domestic only).
- Utility fair usage fee: 1% if Utility Spends exceed ₹20,000 in a statement cycle.
- Fuel Fee: 1% if Fuel Spends exceed ₹30,000 in a statement cycle.
- Passenger Railways Transaction Fee: 1% if spends exceed ₹25,000.
- Tolls and Bridges Transaction Fee: 1% if spends exceed ₹10,000.
- Education Payment Fee: 1% on education spends via third-party apps, min ₹249.
- GST: 18% on all fees, interest and charges.
VerifiedMITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone)3 Aug 2026, 10:35 AM ISTIDFC FIRST Bank
Fuel surcharge waiver
- 1% Fuel Surcharge Waiver on fuel transactions value between ₹200 and ₹5,000.
- Maximum fuel surcharge waiver of ₹100 per statement cycle (Hello Cashback Credit Card).
VerifiedMITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone)3 Aug 2026, 10:35 AM ISTIDFC FIRST Bank
Interest-free period
- Interest-free (grace) period shall not exceed 45 days and varies depending on date of transaction and statement date.
- Not applicable if previous month's statement balance is not cleared in full by the due date.
- A 3-day grace period from the payment due date is also provided.
VerifiedMITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone)3 Aug 2026, 10:35 AM ISTIDFC FIRST Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Cashback Card Standalone?
Officially traced: Rs. 1,000.
MITC – IDFC FIRST Bank Credit Cards (Customer, covers Hello Cashback / Cashback Card Standalone)What is the joining fee on the Cashback Card Standalone?
Officially traced: Rs. 1,000.
harvested from product pageWhat are the transfer ratios for Cashback Card Standalone points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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