IDFC FIRST Select Credit Card

Privileges Airport Movie Offer Railway Road Side Insurance

Lounge Lounge Assistance
____________________________________________________________________________

Airport Lounge

Offer Details:
• Enjoy 4 complimentary access per quarter to select domestic terminal airport lounges in India
• Swipe your IDFC First Select Credit Card at the eligible lounge to avail the complimentary access.
• Card validation charges of ₹2 shall be charged to the card account
• Visits exceeding the complimentary access quota will be chargeable by the lounge

Offer Terms and Conditions:

1. The program is applicable at select Lounges in India, via Dreamfolks to cardholders holding an active
IDFC FIRST Select Credit Card, IDFC FIRST Family Credit Card. As a standard process, all usage of
the Participating Airport Lounges under the Program is conditional upon presentation of credit Card and
a valid air ticket or boarding pass for travel on the same or next day, at the entrance of the Participating
Lounges.
2. Access at the lounge would be given upon successful authorization of the credit card on the electronic
terminals placed at the lounges. INR 2 will be charged on the card to check the validity of the card.
3. Eligible cardholders will get access to the lounge, food & beverages as applicable under the agreement
between Dreamfolks and the lounge. Cardholder is advised to check what services and facilities are
covered under Lounge Program.
4. Complimentary entry to children below two years is on discretion of the Participating Lounges.
Cardholders are requested to check the same at the lounge entrance before entry.
5. Program is open only for card holders carrying an IDFC FIRST Select Credit Card, Employee Credit
Card issued in India. Only 1 entry per cardholder will be permitted in a visit. Additional Guest or Services
will attract extra charges.
6. Eligible cardholders will get access to 4 complimentary domestic lounge visits per quarter.
7. The program can be modified, amended, changed or revoked anytime by IDFC FIRST Bank without
prior intimation. The program is applicable in select lounges in India, this list of lounges is subject to
change from time to time.
8. The access to the lounge will be available on first-come-first-serve basis and is subject to capacity
constraints at each Participating Lounge.
1 9. Cardholders are not bound in any manner to avail the offer. Any participation by the Cardholder shall be
Airport
Lounge voluntary and the terms and conditions of the Lounge program shall be binding on the cardholders.
10. IDFC FIRST Bank or Dreamfolks assumes no responsibility in case a particular lounge operator shuts
2 down the lounge(s) due to lease not getting renewed or for any such reason beyond the purview
Movie
Offer IDFC FIRST Bank or Dreamfolks.
11. For queries or any assistance pertaining to the lounge access, customer can contact
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Railway DreamFolks @ 18001234109 or write at [email protected]
Lounge
IDFC FIRST Bank @ 18605001111 or write at [email protected] ;

4 12. Terms & Conditions subject to change.

Road Side
Assistance

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 List of Eligible Lounges for IDFC First Select Credit Card:

S No. State City Lounge Name Terminal Location

Terminal 1, A�er SHA
1 Karnataka Bangalore BLR Domes�c Lounge Domes�c
Mezzanine Level
Terminal T1 ,Ground
2 Odisha Bhubaneswar Bird Lounge Domes�c Floor, Before SHA, Near
gate No 2
3 Chandigarh Chandigarh Plaza Premium Lounge Domes�c A�er SHA, First Floor
Level 3, Terminal T1, Opp
4 Tamil Nadu Chennai Travel Club Lounge Domes�c
to Gate No-5
Level 3, Terminal T1, Opp
5 Tamil Nadu Chennai Travel Club Lounge Domes�c
to Gate No-3
Terminal 1, A�er SHA, 2nd
6 Kerala Cochin Earth Lounge Domes�c
Floor
A�er SHA, 1st Floor,In
7 Tamil Nadu Coimbatore BlackBerry Lounge Domes�c
Food Court
Indira Gandhi Interna�onal
8 Delhi Delhi Encalm Lounge Domes�c T1 Airport A�er Security
Near Li� No. 07
A�er SHA, Terminal 2 , 1st
9 Delhi Delhi Plaza Premium Lounge Domes�c T2
Level (near Gate 33)
Terminal T3, A�er SHA,
10 Delhi Delhi Plaza Premium Lounge Domes�c T3
Level 3, Near Gate no- 27
A�er SHA, 2nd Floor, opp
11 Goa Goa Good Times Bar (TFS) Domes�c to gate no- F, Near Food
Court
A�er SHA, on Level E (near
12 Telangana Hyderabad Plaza Premium Lounge Domes�c
gate No-28)
13 Madhya Pradesh Indore Primus Lounge Domes�c A�er SHA, First Floor
A�er SHA, Terminal 1,
14 Rajasthan Jaipur Primus Lounge Domes�c
Near Li� Lobby, First Floor
Terminal T1, a�er SHA,
15 West Bengal Kolkata Travel Club Lounge Domes�c Mezzanine Level (Near
Gate No-5)
16 U�ar Pradesh Lucknow The Lounge Domes�c T2 Chaudhary Charan Singh
Interna�onal Airport,
Domes�c Dep Terminal 2,
A�er SHA, Level 2, Gate No-3
Terminal T1B, A�er SHA,
17 Maharashtra Mumbai Oasis Lounge Domes�c T1B 1st Floor (between gate
no 9-20)
1 Terminal T2, A�er SHA,
Airport 18 Maharashtra Mumbai Travel Club Lounge Domes�c T2
Lounge Level 3, Opp to gate no-44
Terminal T1C, A�er SHA,
19 Maharashtra Mumbai Travel Club Lounge Domes�c T1C
3rd Floor
2 First Floor, Opp Boarding
Movie 20 Maharashtra Pune Earth Lounge Domes�c
Offer Gate No -5
A�er SHA, 1st Floor, Near
3 21 Gujarat Vadodara Premium Lounge Domes�c
gate no-7
Railway
Lounge The Lounge, Domes�c
Terminal, Security Hold
4 22 Gujarat Ahmedabad The Lounge Domes�c Area, First Floor, Terminal-
Road Side 1- Ahmedabad Airport,
Assistance Gujarat INDIA-380006

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 Movie Offer

Offer details:
Buy one ticket and get up to `250 off on the second ticket on Paytm Mobile App. The offer can be used to
avail two free tickets during a month.

How to Avail Offer on Paytm Mobile App

1. Go through the regular ticketing flow for selecting the movie, cinema and show of your choice
2. To avail offer, click ‘View All’ offers. Select and click on ‘Apply’ offer on IDFC FIRST Select Credit
Card / IDFC FIRST Bank Family Credit Card or enter Promocode IDFCCCFS1 (for booking up to
3 movie tickets) or enter Promocode IDFCCCFS2 (for booking 4 or more movie tickets).
3. Enter your 16 Digit credit card number and click on ‘Apply Offer’.
4. Instant Discount shall be provided, you will have to pay the remaining transaction amount using
the same card on which you have availed the offer. Your card number will auto populate in the box.
To make the payment, enter remaining details like name on the card, expiry date and CVV.

Offer Terms and Conditions

• 1+1 On Movie Tickets - Use Promo code IDFCCCFS1 to book 2 or 3 movie tickets using an
IDFC FIRST Select Credit Card/ IDFC FIRST Bank Family Credit Card, and get a 100%
Instant Discount for one ticket up to ₹250. Offer is applicable on booking of a minimum of
two movie tickets. Offer will only be valid twice per user per card for every calendar month.
• 2+2 On Movie Tickets - Use Promo code IDFCCCFS2 to book 4 or more movie tickets using an
IDFC FIRST Select Credit Card/ IDFC FIRST Bank Family Credit Card, and get a 100%
Instant Discount for two tickets up to ₹500. Offer is applicable on booking of a minimum of
four movie tickets. Offer will only be valid once per user per card for every calendar month.
• If a user has first used Promo code IDFCCCFS1 then he cannot use Promo code IDFCCCFS2
during the month. However, he can use Promo code IDFCCCFS1 one more time during the month.
This means, if in its 1st transaction a user avails the discount offer of one ticket up to ₹250, then he
cannot avail discount offer of two tickets up to ₹500. However, he can avail discount offer on one
more ticket up to ₹250 during the month.
• If a user has first used Promo code IDFCCCFS2 then he cannot use Promo code IDFCCCFS1 or
IDFCCCFS2 during the month. This means, if in its 1st transaction a user avails the maximum
allocated discount offer of two tickets up to ₹500, then 2nd discount offer transaction will
not be allowed.
• Maximum discount that can be earned by a user in a month for two tickets is ₹500 in the split of up
to two transactions.
• The Promo code can be used to book movie tickets for any show-date.
• The offer is valid on cards with the following BIN values only: 428102.
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Airport • Paytm & IDFC FIRST Bank reserve the right to disqualify any cardholder/s from the benefits of
Lounge the program.
• Paytm & IDFC FIRST Bank reserve absolute right to withdraw and/or alter any terms andconditions
2 of the offer at any time.
Movie
Offer
• Cardholders shall not be entitled to compensation / benefits in any form whatsoever in lieu of
theoffer being availed.
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Railway • In case of any disputes, Paytm and IDFC FIRST Bank’s decision will be final.
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 Railway Lounge

Offer Details:
Enjoy 4 complimentary railway lounge access in a calendar quarter to participating lounges in India on
your IDFC FIRST Select Credit Card.

How to Avail:
1. Cardholder must present its valid, unexpired eligible card and Valid train travel ticket at
the entrance to the participating lounges to avail the benefit
2. The card shall be swiped on the Pine Labs POS terminal, ₹2 will be charged from
the Cardholder’s account to validate the card for complimentary lounge access

List of Lounges:

Lounge City Address

Executive Delhi Platform No. 16, New Station Building, Ajmeri Gate side, New
lounge Delhi Railway Station, New Delhi 110006
Executive Jaipur Platform No. 1, Near First-Class Waiting Room at Jaipur Jn
lounge Railway Station, Rajasthan 303702
Executive Agra Platform No. 1 at Agra Cantt, Near Second-Class Waiting Room,
lounge Agra, Uttar Pradesh 282001
Executive Ahmedabad Platform No. 1, Ahmedabad Railway Station, Gujarat 380002
lounge
Executive Kolkata 1st Floor, Near Enquiry office, Sealdah Railway Station, Kolkata
lounge 700014

Offer Terms and Conditions:

1. The program is applicable at select Railway Lounges in India, via Pine Labs to cardholders
holding an active IDFC FIRST Bank Credit Card. As a standard process, all usage of the
Participating Railway Lounges under the Program is conditional upon presentation of IDFC
FIRST Bank Credit Card and a valid Train ticket, at the entrance of the Participating Lounges.
2. Access at the lounge would be given upon successful authorization of the Credit Card on the
Pine Labs electronic terminals placed at the lounges. ₹2 will be charged on the card to check
the validity of the card.
3. The complimentary access to railway lounge will include the below facilities:
• Two Hours of lounge stay
1 • A/C comfortable sitting arrangements
Airport
Lounge • 1 Buffet meal - Breakfast, Lunch or Dinner as per the time of visit. Only one Buffet meal as
per the time of visit will be provisioned to Eligible card holders.
2 • Unlimited tea & coffee
Movie
Offer
• Free Wi-Fi

3 • Newspaper and Magazine

Railway
Lounge Any additional service such as recliners or more shall be chargeable separate as per the
operator price for that service.
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 4. IDFC FIRST Bank or Pine Labs assumes no responsibility of the merchantability of
the services as it is an endeavour only to deliver the best possible.
5. IDFC FIRST Bank or Pine Labs assumes no responsibility in case a particular lounge operator
shuts down the lounge(s) for any reason beyond the purview or control of IDFC FIRST Bank
or Pine Labs.
6. The access to the lounge will be available on first-come-first-serve basis.
7. The program can be modified, amended, changed, or revoked anytime by IDFC FIRST Bank
without prior intimation.
8. Post 2 hours, the lounge reserves the right to ask for respective charges from the Cardholder.
9. In case the Cardholder has already used his permissible limits or if Cardholder is not eligible
for complimentary visit, Cardholder will be liable to pay all applicable charges to the lounge.
10. The complimentary access to railway lounge is only permissible to the Cardholder,
if the Cardholder is accompanied by guest, guest will be liable to pay applicable charges to
the lounge.
11. Children below 3 years can enjoy the complimentary lounge access. However, any services or
food and beverages consumed, the lounge operator reserves the right to ask for respective
charges from the Cardholder.

Road Side Assistance

Offer Details:
Complimentary Road Side Assistance (RSA) all over India, up to 4 times in a year
worth₹1399 on your IDFC FIRST Select Credit Card through Global Assure.

How to Avail:
1. IDFC FIRST Bank card holder should call Toll-free Number 18005723860 to avail
Emergency Road side Assistance (RSA).
2. IDFC FIRST Bank card holder will share their Full Name, last four digits as on
card to Global Assure to claim RSA services. Upon validation of above details a
fleet vehicle will be sent to the cardholder location.
1 3. IDFC FIRST Bank card holder will show any own Govt ID proof / Car ID
Airport
Lounge (RC Copy, PUC Certificate, Insurance Copy) to the fleet vehicle agent.
RSA Service will be provided post validation and name match on Govt ID/Car ID
2 with the name on the IDFC FIRST Bank credit card.
Movie
Offer
4. All the services to IDFC FIRST Bank card holder will be provided as per the below
mentioned terms & conditions.
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Railway
Lounge
5. IDFC FIRST Bank card holder can avail up to a maximum of 4 complimentary RSA
services in ayear.
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 Terms & Conditions:

Plan Features Details

Towing of Vehicle on In the event Covered Vehicle suffers an immobilizing break
breakdown/accident down due to a mechanical or electrical fault or an accident
which cannot be repaired on the spot, Global Assure will
assist in making arrangement for the Vehicle to be towed to
the nearest Authorised Service Centre, using tow trucks in
the cities & corresponding covered area where available.
Towing Distance - Incident to Drop 50 Kms.

Alternate Battery or Jump Start In the event Covered Vehicle is immobilized, while on trip,
due to rundown battery, Global Assure will assist the
Customer by organizing for a Vehicle technician to jump
start the Vehicle with appropriate means. Global Assure will
bear labour and conveyance costs. If the run-down battery
has to be replaced with a new battery, the cost of such
battery replacement and any costs to obtain the battery will
be borne by the Customer.

Tyre Change In the event Covered Vehicle is immobilized due to a flat

tyre, Global Assure will assist the Customer by organizing
for a vehicle technician to replace the flat tyre with the
spare Stepney tyre of the Vehicle at the location of
breakdown. Global Assure will bear labour cost and round-
trip conveyance costs of the provider. Material/spare parts
if required to repair the Vehicle (including repair of flat
spare Stepney tyre) will be borne by the Customer. In case
the spare tyre is not available in the covered Vehicle, the
flat tyre will be taken to the nearest flat tyre repair shop for
repairs & re-attached to the Vehicle. All incidental charges
for the same shall be borne by the Customer.

Breakdown support In the event Covered Vehicle breaks down due to a minor
mechanical / electrical fault / accident and immediate repair
on the spot is deemed possible within the scope of
services, Global Assure shall assist Customer by arranging
for a vehicle technician to reach the breakdown location.
Global Assure will bear labour cost and conveyance costs.
Cost of Material & Spare Parts if required to repair the
vehicle on the spot and any other incidental conveyance to
obtain such material & spare parts will be borne by the
Customer.
Taxi Benefit In the event Covered Vehicle suffers an immobilizing break
1 down due to a mechanical or electrical fault or an accident
Airport which cannot be repaired on the spot, Global Assure will
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assist in making arrangement for the taxi. Taxi charges will
be borne by the customer
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Offer

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Railway
Lounge

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 Arrangement of spare keys If the keys of the covered vehicle are locked inside the
vehicle, broken, lost, or misplaced, Global Assure (upon
the request of the customer) will arrange for the forwarding
of another set from his/her place of residence or office by
courier / in person by hand-delivery to the location of the
vehicle after receiving the requisite authorizations from the
Customer with regards to the person designated to hand
over the same to Global Assure. The Customer may be
requested to submit an identity proof at the time of delivery
of the keys.
Arrangement of fuel In the event Covered Vehicle runs out of fuel and hence is
immobilized while on a trip, Global Assure will assist
Customer by organizing for a Vehicle technician to supply
emergency fuel (up to 5 litres on a chargeable basis) at the
location of breakdown. Global Assure will bear labour and
conveyance costs. The cost of the fuel will be borne by the
customer.
Extraction or Removal of vehicle In event of vehicle being stuck in a ditch/pit/valley, Global
Assure will make the arrangement to get the vehicle
retrieved and towed to the nearest authorised service
centre at no cost to the Customer. (Free towing to & Fro up
to 50 KM)
Message relay to Global Assure will take charge of relaying urgent messages
relatives/colleagues/emergency relating to the breakdown to the authorized workshop
numbers and/or service contacts. When requested, Global Assure
will relay urgent messages on behalf of the Customers to a
designated person of their choice.
Ambulance Referral In the event Covered Vehicle suffers an immobilizing break
down due to an accident, Global Assure will assist in
making arrangement for the Ambulance. Ambulance
charges will be borne by the customer
Penalty Clause
In case Global Assure is not able to service as per the
agreement then Global Assure will reimburse customer
cost of service or ₹1,000/- whichever is less.

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Airport
Lounge

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 General Exclusions:
1. Any vehicle which has not been maintained regularly as per the guidelines of respective car
manufacturers and thus is not in roadworthy condition.
2. Any event where breakdown is caused by deliberately inflicted damage, vandalism or
participation in a criminal act or offence.
3. Any customer history where customer has twice on prior occasions misused or abused the
services.
4. Any event when the driver of the vehicle is found to be in any of the situations that are
indicated below:
(i) The state of intoxication or under the influence of drugs, toxins or narcotics not medically
prescribed. For these effects, one is under the effect of alcoholic drinks when the degree of
alcohol in the blood is greater than that authorized by the legislation on traffic, motor vehicle
circulation, road safety, or similar ones in the country where the incident occurs.
(ii) Lack of permission or corresponding license for the category of the Covered Vehicle or
violation of the sanction of cancellation or withdrawal of them.
5. Those accidents resulting from the illegitimate removal of the Covered Vehicle.
6. Those accidents or breakdowns that are produced when the Client or the authorized driver have
infringed upon the regulatory ordinances as far as the requisites and number of persons
transported, weight and means of things and animals that can be transported or the form of
handling.
7. Those happening while the vehicle lacks documentation or requisites (including the Technical
Inspection of the Vehicles and Obligatory Insurance) legally necessary to circulate on public
roads in the country where the Covered Vehicle is found.
8. Any vehicle involved in or liable to be involved in legal case prior to or post immobilization.
9. Those caused by fuels, mineral essences, and other inflammable, explosive or toxic materials
transported in the Covered Vehicle.
10. Any public vehicle like ambulances, taxis, police vehicles and / or fire brigade vehicles and any
other vehicle not used for private use are excluded of all the services coverage under these
general conditions.
11. Any accident or breakdown caused due to usage of the car for racing, rally and criminal activity
purposes.
12. Luggage that is not sufficiently wrapped or identified, fragile luggage or perishable products,
and any commercial goods carried in the Covered Vehicle.
13. Assistance to occupants of the Covered Vehicle different to those defined as beneficiaries.
14. Any animals carried in the Covered Vehicle.
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Airport 15. In event of any damage during towing, the maximum liability of GLOBAL ASSURE is of ₹5000
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per incidence.

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 16. Events which do not render the vehicle immobilized are not covered under the program.
Some examples of such events are given below:
• Non-functional horn.
• Faulty gauges and meters.
• Air conditioning is not working.
• Boot cannot be opened.
• Front and /or rear demisters are not working.
• Damaged door glasses.
• Broken Rear view mirror or rear windshield.
• Sunroof cannot be opened.
• Sunroof cannot be closed
• Windows cannot be opened or closed.
• Faulty Seat adjuster.
• Passenger seat belts are faulty.
• Vehicle headlights not functional.
• Illumination of warning lamps of any non-safety related lights/service warnings
lights but vehicle not rendered immobilized.
• Electronic Vehicle security systems, if fitted as standard equipment, are faulty
but do not render it immobilized or alarm is not ringing incessantly.
• ABS light lamp glows ON.
• Vehicle runs out of windscreen wiper fluid.
• Front wipers are faulty.
• Rear windscreen wiper is faulty
• Damaged or faulty fuel caps
• Any noises or unusual sound which does not render the vehicle immobilized
• Other faults in the vehicle which do not render it immobilized but need repair at the workshop.
17. The problems / situations mentioned shall not immobilize the vehicle. It is important to consider
that such a program is designed for emergencies. However, as it is endeavour of GLOBAL
ASSURE to provide best customer support. In any such case if GLOBAL ASSURE finds that
customer’s safety might be at risk or he may be in adverse situation, relevant assistance
service shall be activated as a goodwill measure.

Adverse weather conditions & Force Majeure:

It shall be our endeavor to support the covered vehicle promptly as per the terms of the program.
However, in certain adverse weather conditions such as floods, thunderstorms, heavy rains, and other
adverse conditions such as traffic congestion, political movements, civil unrest, protests etc. it may
become physically impossible to provide assistance. This may affect our ability and capabilities to
promptly support the vehicle though it shall be our priority to support the covered vehicle by
all feasible means.
1
Airport
Lounge Right of Refusal:
In case it is found at any stage that false information has been furnished by a Customer to enroll in
2 the program or in case the program is misused or abused, the services may be refused by GLOBAL
Movie
Offer ASSURE to the Customer and the Customer in such cases, shall not have any right of claim against
GLOBAL ASSURE or IDFC FIRST Bank.
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 Insurance

Complimentary Insurance Coverages – Below insurance coverages are available to IDFC FIRST Bank
Cardholders through their Insurance partner United India Insurance Company Limited. The empaneled broker
for the policy who shall also assist the cardholders/legal nominees with the Insurance claims is Howden
Insurance Brokers India Pvt Ltd.

Sum Insured - Sum Insured - Sum Insured -

FIRST MILLENNIA FIRST SELECT FIRST WEALTH
Complimentary Coverages
Credit Card & FIRST Credit Card & Employee Credit Card & FIRST
CLASSIC Credit Card Credit Card Private Credit Card

Card Liability Cover - Covers for Lost Card

Liability, Counterfeit/Skimming/Phishing and
Online Fraud Protection for transactions on
Cardholder's IDFC FIRST Bank Credit Card.
Cover is applicable for Active card i.e INR 25,000 INR 50,000 INR 50,000
Cardholder should have done atleast 1
Purchase/ATM Withdrawal transaction
during the last 30 days using their IDFC
FIRST Bank Credit Card

Personal Accident- Covers accidental death

due sudden, unforeseen and involuntary
event caused by external, visible and violent
means. Claim under this cover is payable
only once irrespective of the number of cards
INR 200,000 INR 500,000 INR 10,00,000
held by the cardholder. Cover is applicable
for Active card i.e Cardholder should have
done atleast 1 Purchase/ATM Withdrawal
transaction during the last 30 days using
their IDFC FIRST Bank Credit Card

Credit Shield-Cover in respect of the debits

established against the Cardholder resulting
only from the use of the IDFC FIRST Bank
Credit Card by the Cardholder in the event of
an accidental death of the Cardholder. Cover
INR 25,000 INR 50,000 INR 50,000
is applicable for Active card i.e Cardholder
should have done atleast 1 Purchase/ATM
Withdrawal transaction during the last 30 days
using their IDFC FIRST Bank Credit Card

Purchase Protection - Cover against

Standard Fire and Allied perils and Burglary
in residential premises of the cardholder as
per the records of the Bank only. Cover is
valid for 60 days from the date of purchase.
Cover valid for purchases on IDFC FIRST INR 25,000 INR 50,000 INR 50,000
Bank Credit Card only. Cover is applicable
1 for Active card i.e Cardholder should have
Airport done atleast 1 Purchase/ATM Withdrawal
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transaction during the last 30 days using
their IDFC FIRST Bank Credit Card
2 Travel Insurance covering Loss of Loss of Checked-In Loss of Checked-In
Movie
Offer Checked-In Baggage, Delay in Flight, Delay Baggage -USD 100 Baggage -
of Checked-In Baggage, Loss of Passport (INR 7.5k) USD 500
and documents. Claim would be payable
3 only if the ticket is purchased from the Delay In Flight -USD Delay In Flight -
Railway Not Available 67 (INR 5k) USD 300
Lounge covered card. Cover is applicable for Active
card i.e Cardholder should have done atleast Delay of Checked-In
1 Purchase/ATM Withdrawal transaction Delay of Checked-In
4 Baggage- USD 67 Baggage - USD 100
Road Side
during the last 30 days using their IDFC (INR 5k)
Assistance FIRST Bank Credit Card
Loss of Passport and Loss of Passport and
other documents- other documents-
USD 67 (INR 5k) USD 300
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 Personal Air Accident - Covers Air accidental
death arising out of Aircraft, schedule Airlines
etc. Claim would be payable only if the ticket
is purchased from the covered card. Cover is
Not Available INR 1,00,00,000 INR 1,00,00,000
applicable for Active card i.e Cardholder
should have done atleast 1 Purchase/ATM
Withdrawal transaction during the last 30 days
using their IDFC FIRST Bank Credit Card

Zero Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection)
Lost Card Liability:
• Fraudulent utilization of lost or stolen covered card including at point of sale and merchant
establishments transactions are covered.
• PIN based transactions are not covered.

Counterfeit/Skimming
• Losses arising out of unauthorized transactions on Counterfeited/skimmed card on ATM/POS
anywhere in the world.
• Losses arising out of duplicate or counterfeit cards as issued by the Bank created without the Card
holder’s knowledge. Counterfeit Card shall mean a Card which has been embossed or printed to
pass off as a Card issued by the Bank which is subsequently altered or modified or tampered with
without consent of the Bank.

Online Fraud Protection/Phishing

• Fraudulent loss or damage arising due to Information obtained by Unauthorized Access to sensitive
information such as passwords and credit card details by masquerading as a trustworthy entity in an
electronic communication which is not owned, operated or contracted by the Insured or the Insured’s
Bank Card processor.
• The coverage covers all online fraudulent utilization of Credit Cards using the authorized
CVV (Card Verification Value Code) issued to the Cardholder by the Bank.

GENERAL EXCLUSIONS:
• Fraudulent transactions done by person known to the cardholder.
• All Losses arising from breach of 2nd level authorizations Exclusion
1 (Cards details, Password, OTP or PIN with fraudster)
Airport
Lounge • Vishing - Any fraudulent loss or damage arising due to information obtained by unauthorized access
to sensitive information by masquerading as a trustworthy entity in a voice communication.
2 • Claim due to deliberate breach of law
Movie
Offer • Gross Negligence

3 • Any failed/ duplicate/ declined transactions by host website/ authorized bank

Railway
Lounge • Any losses arising due to server hacking or data breach

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 General Terms and Conditions
• Card holder should block/cancel the card as soon as practicable, but not more than 7 days from
the date of notification of fraud transaction via SMS/Card statement/Email/Net Banking or by
any other means

Claim Process
• Block / Hotlist the card by calling IDFC FIRST Bank helpline no. 18605001111 within 24 hours of
discovering unauthorized transactions.
• In case of Lost / stolen / skimming of Card, file a Police intimation / FIR within 24 hours of
discovering unauthorized transactions.
• The cardholders can call IDFC FIRST Bank helpline no. 18605001111 or
write at [email protected] to report the fraudulent transactions.
• The Bank/Insurance Company shall investigate the unauthorized transactions and inform the
cardholder about the claim process and required documentation.
• The findings of the Bank's investigation will be final and binding on the customer.

Personal Accident/Air Accident/ Credit Shield/ Purchase Protection/Travel Insurance Cover

Personal Accident-Covers accidental death due sudden, unforeseen and involuntary event caused by
external, visible and violent means. Claim under this cover is payable only once irrespective of the number of
cards held by the cardholder.

Personal Air Accident-In the event of Air accidental death arising out of Aircraft, schedule Airlines etc. as
defined under the policy the claim would be payable only if the ticket is purchased from the covered card.

Credit Shield-Cover in respect of the debits established against the Cardholder resulting only from the use
of the Credit Card by the Cardholder in the event of an accidental death of the Cardholder.

Purchase Protection: Cover against Standard Fire and Allied perils and Burglary in residential premises of
the cardholder as per the records of the Bank only. Cover is valid for 60 days from the date of purchase.
Cover valid for purchases on Bank credit cards only. Cover for residential address of the card holder in India
as per the records of the Bank.

Travel Insurance
Loss of checked in Baggage- Compensation up to Sum Insured will be paid in the event of the Insured
suffering a total loss of Baggage while on a Journey that has been checked by an International Airline for an
1 International flight.
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Delay of Checked in Baggage-Insured will be reimbursed for the expenses incurred for emergency purchase
of basic essential items in the event that he suffers a delay of Baggage of more than 12 hours from the
2
Movie scheduled arrival time at the destination for delivery of Baggage that has been checked by an International
Offer Airline for an International flight.

3 Loss of Passport and travel related documents-Covers for reimbursement of expenses incurred in procuring
Railway
Lounge travel related documents namely Passport / Visa. All cost incurred in procuring including application fees for
the lost passport including any travel documents such as Visa in event of a loss.
4
Road Side
Assistance Delay in Flight -Compensation up to Sum Insured will be paid in event an international flight of an
international Airline in which the Insured is travelling arrives at the destination after 12 hours from the
scheduled arrival time. Proof of delay of flight must be provided by obtaining the Certificate(s) from the
5 concerned authorities.
Insurance
 Loss of Passport and travel related documents-Covers for reimbursement of expenses incurred in procuring
travel related documents namely Passport / Visa. All cost incurred in procuring including application fees for
the lost passport including any travel documents such as Visa in event of a loss.

Delay in Flight -Compensation up to Sum Insured will be paid in event an international flight of an
international Airline in which the Insured is travelling arrives at the destination after 12 hours from the
scheduled arrival time. Proof of delay of flight must be provided by obtaining the Certificate(s) from the
concerned authorities.

EXCLUSIONS:
• Any flight of an International or National Airline for an international inbound flight to Republic of India.
• No partial loss or damage shall be compensated.
• Valuables in the baggage will not be covered.
• Any loss or damage, resulting from or arising out of or in connection with terrorism or terrorist activity.
• On duty Pilots, armed forces, police, air crew are not covered.
• Any act of terrorism is not covered.
• Death due to participation in dangerous sports activities, attempted suicide, self-injury, or under
influence of intoxicating liquor or drugs, or any kind of natural death will not get covered in the policy.
• Jewelry, perishable items are not covered.
• Earthquake, Terrorism is not covered.
• Mysterious disappearance is not covered.

TERMS AND CONDITIONS

Claim intimation period- Cardholders should report the claim within 30 days from the date of incident.
This is applicable for Travel Insurance only. For Personal Accident Claims, Cardholder/Bank has to report
the claim within 90 days from the date of death and documents should be submitted within 60 days from
the date of intimation to insurance company.

Travel insurance and Air Accident Insurance will be applicable only if the ticket is purchased using
IDFC FIRST Bank Credit Card.

For All Insurance Coverages, there would be active condition applicable for the covered Card in the policy.
There should be atleast 1 transaction i.e Purchase/POS/ATM in last 30 days using the IDFC FIRST Bank
Credit Card.

1 Deductible on Travel Insurance: Flight Delay- 12 Hours

Airport Delay of Checked-In Baggage- 12 Hours
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2 Insurance Claim Process for Personal Accident/Air Accident/ Credit Shield/ Purchase
Movie
Offer Protection/Travel Insurance

3 For Personal Accident and Air Accident: In the event of loss of life of Cardholder due to the Accident,
Railway
Lounge legal nominee must intimate the Bank and Howden.

4 Claim Reporting Timelines: Intimation to Howden should be made within 90 days from the date of accident.
Road Side
Assistance
Claim documents are to be submitted within 90 days from the date of intimation to the Howden/United India
Insurance Company Limited.
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Insurance
 For Credit Shield, Purchase Protection and Other Travel Insurance Related Claims: - In the event of
loss Cardholder must intimate the Bank and Howden.

Claim Reporting Timelines for Cardholder: Intimation to Howden should be made within 30 days from the
date of Incident.

Claim documents are to be submitted by Card holder within 60 days from the date of intimation to
Howden/United India Insurance Company Limited.

Step 1: Cardholder will intimate the claim via email to Howden Insurance Brokers India Pvt. Ltd. at given ids
To - [email protected]
Cc- [email protected]
[email protected]
[email protected]

The below details need to be included in the intimation mail.

1. Card Number
2. Name of the Cardholder
3. Claim amount
4. Date of Incident
5. Type of Claim
6. Date and time intimation to Bank

Step 2: Claim reference number will be shared to the Cardholder post registration of the claim. Cardholder
can use claim reference number for claim tracking purpose

Step 3: Once claim is notified/registered; Cardholder must share the documents for Claim settlement to
Howden Insurance Brokers within above given timelines

Step 4: All claim documents should be couriered to below given Address:

Alpesh Bhavsar
Howden Insurance Brokers India Pvt Ltd
6th floor, Peninsula Chambers, Peninsula Corporate Park,
Lower Parel, Mumbai – 400013
D: +91 022 66558888 M: +91 9096114755

1
Airport Step 5: Scanned copy of original claim documents should be emailed to the below mentioned email ids.
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To - [email protected]
2 Cc- [email protected]
Movie
Offer [email protected]
[email protected]
3
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Step 6: Claims will be processed within 30 working days after submission of all the documents
4 mentioned in the Below list.
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Assistance

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Insurance
 CLAIM DOCUMENTATION
FOR PERSONAL ACCIDENT CLAIM
1. Claim form dully filled and signed by the nominee- Original
2. Destroyed card copy (if not available, IDFC Bank declaration needs to be provided)
3. Copy of Death Certificate- Notarized/Attested by Gazette officer
4. Copy FIR Copy- Notarized/Attested by Gazette officer
5. Post-mortem Report or Viscera Report- Notarized/Attested by Gazette officer
6. Copy of Panchnama (Spot and/ or Inquest) -Notarised/ Attested by Gazeted officer
7. If claim amount> 1lakh, AML Documents - Notarised/ Attested by Gazetted Officer
(Pan Card Copy, Address Proof, 2 Passport color photos of claimant)
8. Indemnity cum declaration bond on a `50 / 100 /- stamp paper (Legal heir certificate)- Original)
9. Consent letter from other legal heirs on a `50 / 100 /- stamp paper
(No objection certificate by other legal heirs) – Original
10. NEFT mandate form duly filled in by the claimant and verified by bank with cancelled cheque of
the nominee-Original (for direct fund transfer)

FOR AIR ACCIDENTAL CLAIM

1. Claim form dully filled and signed by the nominee- Original
2. Destroyed card copy (if not available, IDFC Bank declaration needs to be provided)
3. Copy of Death Certificate- Notarized/Attested by Gazette officer
4. Copy FIR Copy- Notarized/Attested by Gazette officer
5. Post-mortem Report or Viscera Report- Notarized/Attested by Gazette officer
6. Copy of Panchnama (Spot and/ or Inquest) -Notarised/ Attested by Gazeted officer
7. If claim amount> 1lakh, AML Documents - Notarised/ Attested by Gazetted Officer
(Pan Card Copy, Address Proof, 2 Passport colour photos of claimant)
8. Indemnity cum declaration bond on a `50 / 100 /- stamp paper (Legal heir certificate)- Original
9. Consent letter from other legal heirs on a `50 / 100 /- stamp paper (No objection certificate by other
legal heirs) – Original
10. NEFT mandate form duly filled in by the claimant and verified by bank with cancelled cheque of the
nominee-Original (for direct fund transfer)
11. Air Ticket & Account statement highlighting the transaction for Air ticket purchase.
12. Certificate from Airline authority, in case of Air accident
1
Airport
Lounge FOR PURCHASE PROTECTION CLAIM
1. Original Claim form duly filled and signed
2
Movie 2. Credit Card Copy (if not available, IDFC declaration needs to be provided)
Offer
3. Proof of purchase (Original Bills)
3 4. Copy of FIR
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5. Bank statement highlighting the purchase was made through IDFC Credit Card

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Road Side FOR CREDIT SHIELD CLAIM
Assistance
1. Original Claim form duly filled and signed by Bank
2. Credit Card Copy (if not available, IDFC FIRST Bank declaration needs to be provided)
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Insurance
 3. Copy of Death Certificate
4. Bank Statement highlighting Outstanding Amount.

FOR LOSS OF CHECKED IN BAGGAGE

1. Claim form duly filled in and signed by the claimant: Original
2. Card copy
3. Complete Passport copy, if loss at international location
4. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form
duly filled and verified by bank
5. Boarding pass and Journey tickets: Original
6. Property irregularity report (PIR): Original
7. No compensation certificate from Airlines; Original Invoices for the expenses incurred for
the purchase of basic essential items in view of the loss: Original

FOR DELAY IN CHECKED IN BAGGAGE

1. Claim form duly filled in and signed by the claimant: Original Card copy
2. Complete Passport copy, if loss at international location
3. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form
duly filled and verified by bank Boarding pass and Journey tickets: Original
4. No compensation certificate from Airlines; Original Invoices for the expenses incurred for the
purchase of basic essential items in view of the loss: Original
5. Declaration from Airline for the duration of delay or missed flight/ baggage

FOR LOSS OF DOCUMENTS

1. Claim form duly filled in and signed by the claimant: Original
2. Card copy
3. Complete Passport copy, if loss at international location
4. FIR Copy: Notarised/ Attested by a Gazetted officer
5. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form
duly filled and verified by bank
6. Boarding pass and Journey tickets: Original
7. Local Embassy confirmation for loss of passport

1 FOR DELAY IN FLIGHT

Airport
Lounge 1. Claim form duly filled in and signed by the claimant: Original
2. Card copy
2
Movie 3. Complete Passport copy, if loss at international location
Offer
4. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form
3 duly filled and verified by bank
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Lounge 5. Boarding pass/Journey tickets: Original
6. No Compensation certificate from Airlines: Original
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Assistance
7. Declaration from Airline for the duration of delay in flight.

*The above documentation is tentative in nature. Insurer may choose at its discretion to request
5 more documents for settlement purposes.
Insurance