IDFC First Hello Credit Card (FD-Backed)
Secured credit card backed by fixed deposit with simple cashback benefits.
Overview
The IDFC First Hello Credit Card (FD Based) is a secured credit card offered by IDFC First Bank that is backed by a fixed deposit (FD) held by the customer. This card is ideal for users who are building credit or have limited credit history, providing them with a credit line secured against their FD. It offers cashback rewards on everyday spends, easy acceptance, and helps users build their credit score.
Features & Benefits
Joining & Renewal Benefits
Occasional promotional sign-up rewards or bonus cashback on initial spends, subject to bank campaigns.
Annual fee waiver may apply upon meeting eligible spend conditions, as per official bank terms.
Cashback & Rewards
- • Cashback on everyday eligible spends
- • Accelerated cashback on select categories
- • Partner merchant offers subject to bank terms
Cashback earned is auto-credited to the card statement or reward wallet as per IDFC First Bank’s prevailing reward policy.
Lifestyle Benefits
- • Helps build credit score
- • Cashback on everyday spends
- • Easy approval due to FD security
1% fuel surcharge waiver as per IDFC First Bank terms and minimum transaction conditions.
Approximately 3.5% forex markup fee on international transactions.
Fees & Charges
- • Easy approval with FD security
- • Cashback on regular spends
- • Helps build credit score
- • Credit limit capped by FD amount
- • Cashback caps apply
- • Limited premium perks
- • Certain wallet loads
- • Rent transactions may not earn rewards
- • Government transactions may not earn rewards
- • Cashback caps apply depending on category limits
Available as per bank policy, subject to FD-backed structure.
- • Indian resident
- • Age 18+ years
- • Fixed deposit held with IDFC First Bank as collateral
Reward slabs and FD-linked terms may be updated by IDFC First Bank periodically. Always verify the latest official documentation before applying or recommending.