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| Feature | IDFC FIRST Bank IDFC FIRST Hello Cashback Credit Card | Indian Overseas Bank IOB ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | Indian Overseas Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹1,000 + GST per year | Lifetime free |
| Annual fee waiver | At ₹2,00,000 annual spending | Not required |
| Base reward rate | 1% | 0% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 3% · Eligible online cashback slabs | No rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Total statement cashback: ₹1,500/statement cycle · Online statement cashback: ₹1,000/statement cycle | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 0% | 2.5% |
| Monthly income requirement | Fixed-deposit backed | Fixed-deposit backed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | Online-first credit builders able to clear the ₹2 lakh annual fee-waiver threshold. | Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card. |
| Main trade-off | Online cashback is capped at ₹1,000 and total cashback at ₹1,500 per statement cycle. UPI through other apps and fuel earn no cashback, and the cycle’s cashback is forfeited if minimum due is unpaid. | The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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