• FIRST Club Vistara customers are not eligible for this offer.

• Offer is applicable only once per offer period. 

• Offer is applicable only for customers who have never availed Balance Transfer.

• Offer is applicable only for eligible customers who have received communication.

• Reward Points will be posted within 90 days after offer end date.

• If any of the transactions is reversed/canceled/foreclosed by the cardholder or merchant, that Balance Transfer/BT EMI transaction will be excluded. Similarly for any disputed transaction by the cardholder, that Balance Transfer/BT EMI transaction will be excluded.

• Offer is only applicable on conversions through IDFC FIRST Bank Mobile app & Web. 

• This offer cannot be availed in combination with any other offer on your IDFC FIRST Bank Credit Card

Balance Transfer T&Cs:

• Balance Transfer (BT) facility on IDFC FIRST Bank Credit Card enables the customers to transfer their outstanding credit balances from any other bank credit card to their IDFC FIRST BANK Credit Card at lower rates of interest.

• Balance Transfer facility is available for select customers. Bank reserves the right to decide the eligibility as per internal policy and guidelines.

• Processing Fee of 1% of transaction Value (Minimum ₹99) plus GST as applicable will be charged on BT processing. Processing fee will be a part of Minimum Amount Due (MAD) in Credit Card statement. You have to make the payment of MAD to avoid credit card interest charges.

• Balance Transfer facility on IDFC FIRST Bank Credit Card is available for select other bank Credit Cards only.

• Minimum value allowed for Balance Transfer is INR 5,000.

• Maximum value allowed for Balance Transfer is 60% of available limit on IDFC FIRST Bank Credit Card.

• Amount will be transferred from to the other bank Credit Card through NEFT within 3 working days.

• Disbursement through NEFT from to other Bank credit card of the customer will be subject to successful processing at beneficiary bank.

• Balance transfer cannot be cancelled if the amount transfer is initiated towards from other bank Credit Card.

• During the Balance Transfer term, the balance transferred will also be included for computing the Minimum Amount Due (MAD), as mentioned in the credit card statement of IDFC FIRST Bank Credit Card. 

• In case you have opted for Auto Debit for the payment of total outstanding on your IDFC FIRST Bank Credit Card, then, the Total Amount Due on your Credit Card including the Balance Transfer Amount and other charges applicable thereto will be debited from your bank account on the Payment Due Date.

Balance Transfer on EMI T&Cs:

• BT on EMI is an additional facility offered by IDFC FIRST Bank Credit Card to its cardholders where customers may choose to transfer the balance and convert it to affordable EMIs at attractive interest rate.

• EMI conversion can be done across flexible tenures of 3,6,9,12 months.

• Additional Processing Fee of 1% of transaction Value (Minimum ₹99) plus GST as applicable will be charged when the balance transferred is converted to EMI. This will be added to your first instalment and will reflect as part of Minimum Amount Due (MAD) in Credit Card statement. You must make the payment of MAD to avoid charges.

• Once the EMI tenure has been chosen by the Customer, it cannot be changed.

• A fore-closure fee of 3% (GST applicable) will be charged upon EMI cancellation. In this case, entire outstanding principal will be debited to card account and will be due by next due date.

• Sum of all EMI’s will be blocked from your Credit Card Limit. Every month once the EMI payment is received, the credit limit equal to the principal repayment of your EMI will be released from the blocked limit.

• EMI amount will be a part of Minimum Amount Due payable by the customer during EMI tenure. Payment of MAD is necessary to avoid credit card interest charges.

Other Important T&Cs:

• The Bank reserve the right to disqualify any Customer from the benefits of the Offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the Offer.

• IDFC FIRST Bank Card will not be responsible for any loss incurred by the Cardholder as a result of any incorrect information provided by the Cardholder with respect to NEFT or Designated Account details. A request for Balance transfer shall be deemed as an absolute consent of/by the Cardholder to accept all the terms of Balance transfer including but not limited to acceptance of these Terms and Conditions and agrees to be bound by it at all times. The Cardholder hereby agrees that upon the amounts being credited to the Designated Account, he/she shall be required to repay the Balance transfer amount along with the interest, processing fee and applicable taxes.

• IDFC FIRST Bank reserves the right to modify or change all or any of the rules and regulations applicable to the offer at any time.

• Disputes, if any, arising out of or in connection with or as a result of above Offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai.

• All taxes, duties, levies or other statutory dues and charges payable in connection with this facility shall be borne solely by the Customer and the Bank will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges

• The terms and conditions contained in the Card Member Agreement will apply over and above the terms and condition of this loan. 

Please refer the below links of MITC and Card Member agreement for any other information:

MITC Link:

Card Member Agreement: