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| Feature | Kotak Mahindra Bank Kotak Cashback+ Credit Card | IDFC FIRST Bank IDFC FIRST Hello Cashback Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Kotak Mahindra Bank | IDFC FIRST Bank |
| Network | Visa + RuPay | RuPay |
| Annual fee | ₹750 + GST per year | ₹1,000 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹2,00,000 annual spending |
| Base reward rate | 0.5% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Fuel & commute | 3% · Fuel cashback | Excluded |
| Online shopping | 0.5% · RuPay credit-card UPI cashback | 3% · Eligible online cashback slabs |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | Total statement cashback: ₹1,500/statement cycle · Online statement cashback: ₹1,000/statement cycle |
| 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 | 3.5% | 0% |
| Monthly income requirement | Not listed | Fixed-deposit backed |
| Terms verified | 13 Sept 2026 | 24 Sept 2026 |
| Best suited to | Households spending regularly on online groceries, food delivery, OTT or movies and fuel. | Online-first credit builders able to clear the ₹2 lakh annual fee-waiver threshold. |
| Main trade-off | The accelerated categories share a ₹750 cashback cap per billing cycle. Utilities, insurance, education, rent and several other categories do not earn rewards. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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