Offer Terms & conditions:

· The offer is valid only on First Wealth Credit Card.

· The Offer can be availed as per terms mentioned herein and period is from 1^st Feb 2023 to 31^st Mar 2023(inclusive of both dates).

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

· Cardmember will be eligible for 1% cashback on Insurance Premiums and extra 2% on converting those transactions into EMIs. Amount is capped to a maximum of Rs 3,000 during the entire offer period.

· Only EMI transaction amount of more than Rs. 20,000 and EMI tenure of 6 months or more will be eligible for the cashback.

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

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

· EMI conversion needs to be done on insurance transaction within the offer period.

· Any insurance transaction done before or after the offer period 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 must select the relevant option on the merchant website or convert the transaction post-facto using IDFC FIRST Bank mobile app by calling the customer care number 1860-258-2000.

· Cashback applicable will be credited within 1 month after the offer end date (i.e. 30^th April 2023) to the eligible Credit Card account of the qualified customers only.

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

· Transactions meeting the eligibility criteria done with FIRST Wealth Add-on card shall also be considered eligible for this offer, however maximum of Rs. 3,000 can be earned by the Primary and the Add-On cardmember combined.

· 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. Transaction done through a merchant aggregator platform may not trigger cash back 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 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 of 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 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.

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