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| Feature | IDFC FIRST Bank IDFC FIRST Hello Cashback Credit Card | SBM Bank India SBM Bank ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | SBM Bank India |
| 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. | New-to-credit users willing to place a small fixed deposit and route merchant UPI payments through ZET. |
| 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 is not free or card-wide: this catalogue proposition includes the ₹3/day ZET Plus cost and requires an eligible merchant UPI payment through ZET. Ordinary card spend has no assigned reward. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
