Offer Terms & Conditions:
 

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

• The Offer can be availed as per terms mentioned herein and period is from 05th  February 2022 (Offer Start Date) to 31st  March 2022 (Offer End Date) both dates inclusive.

• Transactions done only on Insurance category of merchants will be eligible for this Offer

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

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

• Cardmember will be eligible for a maximum of 5,000 Rewards points during the entire offer period.

• 3X rewards upto maximum of 1,500 Reward points can be earned during the offer period

• Incremental rewards (7X) on EMI conversion for 10X upto maximum of 3,500 reward points can be earned during the offer period.

• Only EMI transaction amount of more than ₹2,500 and EMI tenure of more than 6 Months will be eligible for 10X rewards.

• There is no minimum transaction amount to be eligible for 3X rewards.

• Incomplete / rejected / invalid / returned / cancelled / refunded / disputed or unauthorized / fraudulent transactions will not be considered for the offer.

• Multiple transactions done on the insurance category merchants during the offer period shall also be considered eligible for 3X rewards, however only the transactions which are further converted to EMI shall only be considered for 10X rewards

• EMIs conversion needs to be done after the offer start date and before the offer end date to be eligible

• Any insurance transaction done before the offer start date which is converted to EMI after offer start date will not be eligible for this offer.

• Transactions will NOT be automatically converted into EMIs except if explicitly mentioned on the merchant platform. In all other cases the cardmember has to select the relevant option on the merchant website or convert the transaction post-facto using IDFC FIRST Bank mobile app or website or can request the same by calling the customer care number 1860-500-1111

• Reward Points applicable will be credited within 30 days after the offer end date (i.e. 30 April 2022) to the eligible Credit Card account of the qualified customers only.

• Multiple transactions done within the offer period will be considered collectively for the eligibility of the offer.

• All other reward points available on your credit card will continue to hold valid.

• Transactions meeting the eligibility criteria done with FIRST Classic Add-On card shall also be considered eligible for this offer, however maximum of 5,000 Rewards can be earned by the Primary and the Add-On cardmember combined and the reward accrual capping shall be considered at the billing account.

• Classification of merchant into Insurance 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 an merchant aggregator platform may not trigger Rewards points if the transaction data sent is incorrect.

• EMI interest rate and Processing fee applicable as per the EMI T&C https://www.idfcfirstbank.com/personal-banking/tnc-portfolio

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

• The Offer is made solely and entirely by IDFC FIRST BANK Limited ("Bank") to the Bank's Credit Card Members ("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.

• 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.