Offer Terms and Conditions

· The offer is valid only on FIRST Classic Credit Card.

· The Offer period is from 1^st  Nov 2022 (Offer Start Date) to 31^st Dec 2022 (Offer End Date) both dates inclusive.

·  Customer shall be eligible for 20% cashback up to Rs. 250 for spends on Electricity Bill, Grocery, Fuel and Wallet Load

·  A customer is eligible for a maximum cashback of Rs. 250 under this offer.

· This is a targeted offer. A customer is eligible for this offer only if he/she has received an offer communication directly from IDFC FIRST Bank through any of its channels.

· The Offer is non-transferable, non-cashable and non-negotiable.

· Any FIRST Classic Credit Card on which the offer is not applicable, will not be considered eligible for the offer.

· Transaction performed using FIRST Classic Add-On card shall be considered for the offer, however no separate/duplicate cashback will be provided to the Add-On cardholder.

· For all reasons calendar month shall mean a month starting from 01^st Day of a month till last day i.e. 30^th/31^st of the month

· Spends done only  Electricity bill, Grocery, Fuel and Wallet load category will be eligible for the campaign offer.  Merchant Category Codes of the eligible categories are mentioned in the table below.

· Cashback applicable will be credited within 45 days after the offer end date to be eligible Credit Card account of the qualified customers only.

· Classification of merchant into above mentioned eligible category will be solely basis the transaction data received at the time of transaction and as per the guidelines of the card networks. Transactions done through a merchant aggregator platform may not trigger cashback if the transaction data sent is incorrect.

· The Offer is made solely and entirely by IDFC FIRST BANK Limited ("Bank") to the Bank's Credit Card Members/ Credit Card Holders ("Customers"), who have received communication by the Bank through emailer, SMS, Push Notification, Banner and / or any other direct communication channel intended for the customer only.

· The Bank reserves 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 (including any default in payments).

· Any Customer eligible for the offer shall be deemed to have read, understood and accepted these terms and conditions, the Offer terms and conditions mentioned in the communication sent, as well as, general terms and conditions of the Bank, before availing the Offer.

· Benefits of multiple offers/campaigns even if eligible and communicated shall not be applicable and only one eligible offer shall be considered eligible.

· In case the customer is eligible for any other offer/campaign on the same transaction as eligible the above offer, only one offer with the best monetary value for the customer shall be considered applicable.

· Overdue Card account will not be considered to avail this offer. At the time of cashback posting for the offer, for the card account found to be overdue, cashback shall not be processed.

· Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or withdraw this Offer altogether.

· The Bank holds out no warranty and makes no representation about the quality, delivery or otherwise of the goods and services offered by any merchant with regards to this offer. Customer is expected to take any grievance, pertaining to quality, delivery or any other issue of purchased goods and services, to the respective merchant and not to the Bank.

· The decision of the Bank limited in all matters in connection with and incidental to this Offer is final and shall be binding on all persons.

· 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 the offer 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.