HDFC Bank
Swiggy HDFC Bank Credit Card
Cashback10% Cashback
on eligible Swiggy app spends
Joining Fee
₹500 + taxes
Annual Fee
₹500 + taxes
All cards
IDFC FIRST Bank
IDFC FIRST Hello Cashback Credit Card
CashbackRuPay
An FD-backed RuPay credit card from IDFC FIRST Bank that pays up to 5% cashback on incremental online spends, 1% on UPI, offline and travel bookings, and builds credit history with a minimum fixed deposit of ₹10,000.
Joining fee
₹1,000 + GST
Annual fee
₹1,000 + GST
Rewards
Up to 5% online cashback
Best for
Online shoppers, first-time borrowers and credit builders
Applications are assessed by the issuing bank. CardPower does not approve applications or guarantee eligibility.
Key benefits
- Fees & Charges: Joining fee of ₹1,000 + GST; annual/renewal fee of ₹1,000 + GST; 100% annual fee waiver when annual spends exceed ₹2 lakh; 50% fee waiver when annual spends are between ₹1 lakh and ₹2 lakh; ATM cash withdrawal fee of ₹199 + GST per transaction, with interest-free cash withdrawals for up to 45 days subject to issuer terms.
- Online Cashback: 3% cashback on eligible online spends up to ₹10,000 per statement cycle. On incremental eligible online spends above ₹10,000, earn 5% cashback. The online cashback component is capped at ₹1,000 per month.
- UPI & Offline Cashback: 1% cashback on eligible retail/offline spends, 1% cashback on eligible essential spends, and 1% cashback on eligible UPI spends made through the IDFC FIRST Bank mobile app.
- Travel Cashback: Additional 1% cashback on eligible flight and hotel bookings made through the IDFC FIRST Bank mobile app.
- Cashback Limits: Maximum overall cashback is ₹1,500 per statement cycle. The online cashback component is capped at ₹1,000 per month and is counted within the overall limit.
- FD-Backed / Credit Builder: Credit limit can be up to 100% of the fixed deposit value, subject to bank terms. The fixed deposit continues to earn interest. Minimum FD requirement is ₹10,000 and no income proof is required, subject to eligibility. Ideal for students, first-time borrowers and customers building their credit history.
- Cashback Redemption: Automatic Cashback Redemption — cashback is automatically credited to the cardholder's statement balance.
- Insurance & Assistance: Complimentary roadside assistance and personal accident cover, subject to issuer terms.
Fees & charges
- Joining fee
- ₹1,000 + GST
- Annual / renewal fee
- ₹1,000 + GST
- Annual fee waiver
- 100% waiver when annual spends exceed ₹2 lakh
- Partial fee waiver
- 50% waiver when annual spends are between ₹1 lakh and ₹2 lakh
- ATM cash withdrawal fee
- ₹199 + GST per transaction
- ATM cash interest-free period
- Up to 45 days, subject to issuer terms
- Online cashback
- 3% up to ₹10,000/cycle; 5% on incremental spends above ₹10,000
- Online cashback cap
- ₹1,000 per month
- UPI / offline / essential cashback
- 1% each on eligible spends
- Travel cashback
- Additional 1% on eligible flights & hotels via IDFC FIRST Bank app
- Overall cashback cap
- ₹1,500 per statement cycle
- Minimum fixed deposit
- ₹10,000
- Finance charges
- As per IDFC FIRST Bank schedule of charges
Eligibility
- Indian resident with a valid PAN card
- Aged 21 years or above
- Minimum fixed deposit of ₹10,000 with IDFC FIRST Bank
- No income proof required, subject to eligibility
- Approval subject to issuer verification; card is issued against the fixed deposit
Similar cards
HDFC Bank
HDFC Pixel Play Credit Card
Cashback5% + 3% Cashback
on categories you choose yourself
Joining Fee
₹0
Annual Fee
₹0
Axis Bank
Flipkart Axis Bank Credit Card
Cashback5% Cashback on Flipkart
7.5% on Myntra, 4% on partner brands
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST