Be a part of an exclusive lifestyle program and enjoy the benefits below when you visit any Taj property.

• 25% off on F&B- Dine-in & Take-away (maximum 10 pax) all year-round.

• 20% off on orders via Qmin App all year-round

• 20% off on Spa Treatments at Jiva Spas across hotels all year-round

One Stay voucher for each of the benefits below:

• 20% discount on Best Available Rate on Room/Suites at participating hotels

• 20% discount on Best Available Rate at Taj Palaces on Room/Suites*

• 20% discount on Best Available Rate at Taj Safaris on Room/Suites* Offers applicable Taj Hotels, SeleQtions and Vivanta hotels.

To access your Taj Epicure Membership, please login to: https://www.tajhotels.com/en-in/epicureprogram/my-account/. TnC: Epicure Terms and Conditions (tajhotels.com)

· Karma Points get accumulated on monthly spends above ₹30,000 for every statement cycle.

· Customers earn 1 Karma Point per ₹100 on spends above ₹30,000 for every statement cycle.

· 1 Karma point = ₹0.25

· Karma points are not accrued on transactions such as Fuel, EMI, Insurance transactions, Cash withdrawals, rental and property transactions.

· When Karma points pool crosses 20,000 (₹5000 in value), the entire available Karma points get donated to the chosen Charity

· If applicable, customers will receive a tax certificate against the donation amount. This will be sent via e-mail to the customer

· Upon Card setup, the FIRST Private Credit Card is enabled to donate the monthly Karma points to CRY Foundation as a default option

· Cardholders can change the choice of charity any time by calling the VIP Access number and placing the request

· Charity donations can be routed to any of the NGOs from the list below. This NGOs list can change any time without any prior notice to the cardholders

· Cardholders can opt-in once every year prior to their Birthday for the Birthday donation feature

· If opted-in, 10% of the spends done by the Cardholder on FIRST Private Credit Card on their Birthday will be donated by the Bank to the charity chosen by the Cardholder in their name in the form of Karma Points

· Donation for the Birthday will be assessed basis spends done on the FIRST Private Credit Card only and will be capped at ₹25,000 per year

· Spends done on Fuel, EMI, Insurance, Rental, transactions and Cash Withdrawals will not be considered for Birthday donation

· Customer needs to opt-in for the birthday charity feature by either contacting their RM or by placing a call on the VIP Access desk

· Get 10X Reward Points on incremental spends above ₹30,000 per month and spends done on your birthday

· 6X and 3X Reward Points on online and in-store spends respectively on spends up to ₹30,000 per month.

· Get 1x Reward Point* on insurance premium payments

· 1X = 1 Reward point for every ₹100 spent

· *Reward program not applicable on Fuel, Insurance, EMI transactions & Cash. Rental and Property management transactions will not be a part of 10X reward program and 10X threshold calculations. However, such transactions will earn 3X & 1X reward points as applicable

· Rental transactions accrue 3X Reward Points and are not considered for 10X calculations

_{*Applicable from 1^st September’23}

· 1 Reward Point = ₹0.25

· The Rewards that you earn never expire

· Reward Points can be redeemed on any online or offline transactions and also for gift vouchers of preferred Brands

· No limit on Reward Points redemption

· The Bank gives customers the option for customers to redeem their Reward Points towards a donation to the charity of their choice via the rewards section on net banking and via the mobile banking application.

· On redemption of these rewards against any of these charities, 25% Rewards are provided back to customers at the end of the statement cycle. E.g. If a customer redeems 1000 Reward Points against a charity of their choice, the customer will get 250 Reward Points credited back to their account.

· If applicable, customers will receive a tax certificate for the amount donated. This will be sent to customers via email to the email ID which is added at the time of donation.

Offer details:

· Enjoy unlimited complimentary access per quarter to select Airport lounges in India (Domestic Lounges), Overseas (International Lounges) and Spa centers at airport locations in India on Primary and Add-on Credit Cards

· Both Primary and Add-on Credit Card customers can each enjoy unlimited complimentary access to airport lounges and spa centers across locations

·There are certain international airport lounges which require pre-booking

How to avail:

· Swipe your credit card at the Airport lounges in India to avail the complimentary lounge access. Card validation charges of ₹2 shall be charged to the card account

· Present your IDFC FIRST DreamFolks card at reception of Airport lounges in India, Overseas and Spa centers

· For Lounges which require a Pre-book, please call on 1800-1234-109 or you can send an email to helpdesk@dreamfolks.in to pre-book the lounge.

List of eligible Lounges & Spas – Domestic

List of eligible Lounges – International

Pre-Booking process-

· For Lounges which require a Pre-book, please call on 1800-1234-109 or you can send an email to helpdesk@dreamfolks.in

Offer Terms and Conditions

Book My Show Offer Details:
Get ₹750 off on Movies, non-movies & food combos twice in a month.

How to Avail Offer from Book My Show:
Go through the regular ticketing flow for selecting the movie/non-movies & food combo of your choice.

1. To avail offer, click on unlock offers or apply promo codes

2. Enter your 16-digit credit card and click on ‘Apply’

3. Instant discount shall be applied. You will have to pay the remaining transaction amount using the same card on which you have availed your offer

Offer Terms and Conditions

Golf Privileges Offer Details

Avail two (2) complimentary golf rounds or golf lessons per month.

How to Avail the offer through our Golf Partner - Golftripz:

· Book your Golf Round/Lesson on https://idfcfirst.truztee.com/ . Use your registered email ID with IDFC FIRST Bank and OTP sent on your email ID to log into the website.

· You can make a Booking upon Clicking “Make a Booking” tab on the website. Choose your favorite Golf course, time slot and send your booking request. Card Validation charges of Rs 2 shall be charged on the payment gateway as part of the booking request. Golftripz shall send booking request confirmation on your registered email ID

· Upon confirmation of your booking from the Golf Course, Golftripz shall send the Booking confirmation voucher on your registered email ID.

· On the booking date, show your Booking voucher/ID details to gain entry at the Golf course and enjoy your Golf round/lesson tee time.

Offer Terms and Conditions

Air Accident/Travel Insurance Cover

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.

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 International flight.

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 scheduled arrival time at the destination for delivery of Baggage that has been checked by an International Airline for an International flight.

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

Cancellation For Any Reason (CFAR) insurance: Cancellation cover for 2 claims up to INR 50000, will be available for hotel and flight booking cancellations

Cancellation For Any Reason (CFAR) insurance – Know more

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 W 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.

3. IDFC FIRST Bank card holder will show any own Govt. ID proof / Car ID (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 with the name on the IDFC FIRST Bank credit card.

4. All the services to IDFC FIRST Bank card holder will be provided as per the below mentioned terms & conditions.

5. IDFC FIRST Bank card holder can avail up to a maximum of 4 complimentary RSA services in a year.

Terms and Conditions

Zero Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection) up to ₹50,000.

Lost Card Liability:

· Fraudulent utilization of lost or stolen covered Card including at point of sale and merchant establishment 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 a person known to the Cardholder.

· All Losses arising from breach of 2nd level authorizations Exclusion (Cards details, Password, OTP or PIN with fraudster)

· 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

· Claim due to deliberate breach of law.

· Gross Negligence

Terms and Conditions

MOST IMPORTANT TERMS AND CONDITIONS

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 W 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.

3. IDFC FIRST Bank card holder will show any own Govt. ID proof / Car ID (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 with the name on the IDFC FIRST Bank credit card.

4. All the services to IDFC FIRST Bank card holder will be provided as per the below mentioned terms & conditions.

5. IDFC FIRST Bank card holder can avail up to a maximum of 4 complimentary RSA services in a year.

Terms and Conditions

Zero Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection) up to ₹50,000.

Lost Card Liability:

· Fraudulent utilization of lost or stolen covered Card including at point of sale and merchant establishment 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 a person known to the Cardholder.

· All Losses arising from breach of 2nd level authorizations Exclusion (Cards details, Password, OTP or PIN with fraudster)

· 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

· Claim due to deliberate breach of law.

· Gross Negligence

Terms and Conditions

· Airport Meet & Greet - Enjoy discounts on Airport Fast Track immigration service at over 450 destinations worldwide. Know more

· Airport Transfers - Lucrative discounts on Airport transfer limousine service across in over 3000 cities across 83 countries. Know more

· Concierge - This service provides a modern, personalized experience for you to self-book your dining, staycation, flights and activities. Know more

· Luxury Hotel Collection – Access to over 900 luxury hotels around the world with premium benefits  such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others. Know more

Cancellation For Any Reason (CFAR) insurance: Cancellation cover for 2 claims up to INR 50000, will be available for hotel and flight booking cancellations

Cancellation For Any Reason (CFAR) insurance – Know more