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Terms and Conditions
I hereby apply for IDFC FIRST Bank Credit Card(s) and accept that IDFC FIRST Bank is entitled in its
absolute discretion to accept or reject this application. I hereby give my consent to the Bank to provide
me a different card, in case I am not eligible for the product applied for. I am aware that the Bank
reserves the right not to return the supporting documents given by me along with the application.
I confirm that I have read, understood, and agree to the MITC (Most Important Terms & Conditions, including Schedule of Charges) Key Fact Statements as
well as the Cardmember Agreement, and I am aware they are available for reference on the
IDFC FIRST Bank website https://www.idfcfirstbank.com
The finance (interest) rates applicable to a Cardholder depend on internal policy parameters of the Bank.
These are final and binding, and subject to change at Bank’s discretion.
I confirm that I have no insolvency proceedings pending against me nor have I ever been adjudicated
insolvent.
I authorise IDFC FIRST Bank and/or its associates to verify any information or otherwise at my
office/residence or to contact me/ credit bureau/RBI or any other source to obtain or provide any
information that may be required for confirming credit card application or maintaining my account in good
credit standing.
I hereby give my consent to IDFC FIRST Bank Limited for obtaining/authenticating/verifying my KYC
details from CERSAI CKYC portal/ Aadhaar eKYC/ National Securities Depository Limited (NSDL)/ Any other
service provider/ organisation as deemed fit by IDFC FIRST Bank Limited and permitted by Reserve Bank of
India. I understand that as per directions of Government of India my KYC information will be updated by
the bank in Central KYC Registry.
I consent to avail the complementary insurance covers as per approved card variant.
Click here for details.
The cardmember undertakes and declares that if at any time it is discovered that there are any amounts
due to the Bank against any credit facility, then the Bank shall have the absolute right to hold the No
Objection Certificate (NOC) against any/all such facilities, without any prior notice.
I authorise IDFC FIRST Bank to disclose, from time to time, relevant information relating to my personal
details (name, phone number, e-mail ID, address, age, date of birth and other such information), Credit
Card(s) details (including any default in payments) to credit bureaus, regulator/s, government and
investigation authorities, authorised financial institutions, any parent/subsidiary, Tax authorities,
affiliate and associate of IDFC FIRST Bank, and to third parties engaged by IDFC FIRST Bank, for purposes
such as marketing of services, fulfillment of card offers/benefits, proper operation of Credit Card
accounts and other administrative services. I hereby consent and authorize IDFC FIRST Bank and/or its
affiliates and associates and/or third parties engaged by IDFC FIRST Bank to send me information through
WhatsApp/SMS/email alerts/post/any other way deemed fit by the Bank or/call me on my registered mobile
number for the purposes of operation of the card, send Welcome Kit/monthly statements/marketing
information and offers on the card and offering of various products and services of IDFC FIRST Bank
through agent(s) and/or any third party(ies) or any of the product(s) of its group companies,
subsidiaries, affiliates, co-brand partners.
I hereby declare that the details furnished in the application are true and correct to the best of my
knowledge and belief and I undertake to inform IDFC FIRST Bank of any changes therein, immediately. In
case any of the information is found to be false or untrue or misleading or misrepresenting, I am aware
that I shall be held liable for it.
I hereby understand & acknowledge that by engaging in the video KYC with the bank representative, I agree to allow IDFC FIRST Bank to capture my personal details (including location) & any other device information, furthermore, permitting usage of all details & recorded information for internal verification, training, and quality monitoring to enhance my account opening journey. ( If Applicable)
I authorize IDFC FIRST Bank to share my name, mobile number, email ID and residential address with Club
Vistara (TATA SIA Airlines Limited) in order to create and manage the Club Vistara membership & associated
benefits, as per the agreement between IDFC FIRST Bank Limited and TATA SIA Airlines Limited.
Sole Proprietorship Firm T&C
(1) I hereby declare that the details furnished are true and correct
to the best of my knowledge and belief and I undertake to inform
IDFC First Bank of any changes therein, immediately
(2) I hereby consent to receiving information from Central KYC Registry through SMS/Email on the registered
number/email address of authorised person(s)
(3) I hereby authorized IDFC FIRST Back to submit my KYC details to CKYC.
(5) I understand that the FIRST Business Card is provided at the request of the Firm
as per the Terms and Conditions governing the Business Card facility of
IDFC FIRST Bank under this Corporate Agreement with Joint and Several liability
of the Firm and the card-holder to pay the total outstanding amount to IDFC FIRST Bank without any delay
(6) The individual approving on behalf of the Firm warrants that he/she is duly authorized
to do so and confirms that all internal approvals have been duly received.
(7) Bank reserves the right to take any action which may include blocking of limit
or liquidating your Fixed deposit lien marked with Bank, if it is found that your
suggested “ Company Name” to be printed on Card, is other than the Entity name/Entity
Logo name/Trademark/Brand Name.
(8) I understand that the use of the FIRST Business Card is meant only for the official expenses as shall be
approved by the Firm where I am employed (“Firm”) from time to time and not for my/our personal expenses.
(9) I hereby declare that Except to the extent disclosed to IDFC FIRST Bank in writing,
no director or a relative/near relation (as specified by RBI) is a director of a
banking company (including IDFC FIRST Bank) or a relative/near relation
(as specified by RBI) a senior officer of IDFC FIRST Bank (as specified by RBI)
is the applicant(s), or a partner of our concern, or of our subsidiary, or our
holding company, or a guarantor on my/our behalf, or holds substantial interest in
our concern or my/our subsidiary or holding company.
(10) The Applicant/s has/have no objection to IDFC FIRST Bank
/ its Group Companies / Agents / Representatives to provide me/us information
on various products, offers and services provided by IDFC FIRST Bank / its Group
Companies through any mode (including without any limitation through telephone calls/SMS’s/email’s)
and authorize IDFC FIRST Bank / its Group Companies / Agents / Representatives for the above purpose.
(11) On behalf of the firm named in this application (the “firm”),
I hereby request you to issue a First Business Credit Card to the individual
named above with limit specified above and certify that the individual is an
employee of the firm. I hereby confirm that the information contained in this
application is true and correct and the firm hereby agrees to be bound by the
Terms and Conditions governing the First Business Credit Card facility of
IDFC FIRST Bank. The individual approving/submitting on behalf of the firm warrants
that he/she is duly authorized to do so and confirms that all internal approvals
have been duly received.
(12) I hereby understand & acknowledge that by engaging in the video KYC with the bank representative, I agree to allow IDFC FIRST Bank to capture my personal details (including location) & any other device information, furthermore, permitting usage of all details & recorded information for internal verification, training, and quality monitoring to enhance my account opening journey. ( If Applicable)