All Credit Cards | BankKaro

Best For

Shopping

Travel

UPI

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

The joining fee is not offset by any bonus or credit.

Annual Fees

₹1,180 ( ₹1000 + GST )

The annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.

Eligibility

Age Criteria

18-80 years

Salary Criteria

3 LPA

Credit Rating*

720+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

N/A

Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.

To check redemption catalogue

N/A

All Card Benefits

All Benefits

Up to 5% cashback benefit on spends across various categories
Cashback worth up to ₹18,000 per year
1% cashback on UPI spends when scanning and paying using IDFC FIRST Bank app
Credit limit equals 100% of FD value for deposits starting ₹10,000
Increase credit limit instantly by linking multiple FDs; additional FD starts at ₹5,000
Interest-free cash withdrawal for up to 45 days at a nominal fee of ₹199 + GST
Earn interest on FD and cashback on the card simultaneously

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel

ATM Cash withdrawals

EMI

UPI apps

Balance transfers

For Spends Waiver

Fuel

ATM Cash withdrawals

EMI

UPI apps (GPay

PhonePe

Paytm etc.)

Balance transfers

Bank Fee Structure

Structure	Details
Forex Markups 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50
APR Fees Finance charges of 3.85% per month (46.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid	3.85%
ATM Withdrawl ₹199 of the withdrawn amount is charged on cash advances using the credit card	₹199
Reward Redemption Fees ₹99 per redemption request is applicable	₹99
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets	1%
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card	1%
Cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal	2%
Cash Payment Fees Cash payment fee at IDFC FIRST Bank branches is NIL for IDFC FIRST Hello Cashback Credit Card	NIL

Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹5000	₹750
₹5001 - ₹8000	₹1200
₹8001 - ₹10000	₹1300
Above ₹10001	₹1300

IDFC FIRST Hello Cashback Credit Card

All Card USPs