Important information regarding your IDFC FIRST Bank Credit Card

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Important information regarding your FIRST Select Credit Card from IDFC FIRST Bank

Dear Cardmember,

We are delighted to remind you that the overall proposition of your IDFC FIRST Bank Credit Card is simply the best in the market. This includes:

No Joining Fee
No Annual Fee
India’s first Credit Card with low and dynamic Interest Rates on revolving balances
No interest on ATM Cash Withdrawal till due date
No Cap on Reward Points earning
No Expiry of Reward Points
A unique proposition whereby you can pay for your next purchase using your Reward Points without being limited to any specific merchant or catalogue

However, we are making certain changes to the Reward Program on your FIRST Select Credit Card.

Effective 17th May 2022, for subsequent billing cycles, minimum spends required in a billing cycle to unlock 10X Reward Points is being revised from ₹20,000 to ₹25,000. Your accrual of 1X = 1 Reward Point per ₹100 will change to 1X = 1 Reward Point per ₹125. Your Reward Points will continue to have a value of ₹0.25 per Reward Point.

Effective 1st Oct 2022, Reward redemption through any redemption channel will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption transaction. Since you are an existing customer, you have adequate time to redeem your accumulated Reward Points without any redemption charges for redemptions done before 1st Oct 2022.

The Reward Program for your FIRST Select Credit Card will be revised as per the table below.

Particulars	Existing	Effective May 17, 2022
Reward Points earned for Offline Spends and Rental & Property management transactions	3X	3X
Reward Points earned for Online Spends excluding Rental & Property management transactions	6X	6X
Minimum spends required to unlock 10X Reward Points	₹20,000	₹25,000
1X Reward Point equals	1 Reward Point per ₹100 spends	1 Reward Point per ₹125 spends
Value of 1 Reward Point	₹0.25	₹0.25
Exclusions	Fuel and Insurance Spends, EMI Transactions, ATM Cash withdrawals are excluded from the Rewards Program. Rental and Property management transactions will not be considered for minimum spends required to unlock 10X Reward Points.	Fuel and Insurance Spends, EMI Transactions, ATM Cash withdrawals are excluded from the Rewards Program. Rental and Property management transactions will not be considered for minimum spends required to unlock 10X Reward Points.