FIRST-Wealth-Privileges

Offer Details

How to Avail Offer on Paytm Mobile App

Offer Terms and Conditions

Movie Offer

IDFC FIRST Wealth Credit Card

Privileges

____________________________________________________________________________

Railway

Lounge

Road Side

Assistance

Insurance

Movie Offer

Airport

Lounge

Golf

Movie

Offer

Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

This is an offer for movie tickets available on the Paytm Mobile App using an IDFC FIRST Wealth Credit Card.

Here are the key details and terms and conditions:

1. Go through the regular ticketing flow for selecting the movie, cinema and show of your choice

2. To avail offer, click ‘View All’ offers. Select and click on ‘Apply’ offer on IDFC FIRST Wealth Credit

Card or enter Promocode IDFCCCFW1 (for booking up to 3 movie tickets).

3. Enter your 16 Digit credit card number and click on ‘Apply Offer’.

4. An instant discount will be provided, and you will need to pay the remaining transaction amount using the

same card on which you have availed the offer. Your card number will auto-populate in the box. To make

the payment, enter remaining details like the name on the card, expiry date, and CVV.

1. This offer provides a 1+1 discount on movie tickets. Use Promo code IDFCCCFW1 to book 2 or 3 movie

tickets using an IDFC FIRST Wealth Credit Card and get a 100% instant discount for one ticket

up to `250. This offer is applicable on booking a minimum of two movie tickets. It can be used twice per

user per card for every calendar month.

2. If a user has used Promo code IDFCCCFW1 once, they can use it one more time during the month,

meaning they can avail of the discount on one more ticket up to ₹250.

3. The maximum discount that can be earned by a user in a month for two tickets is ₹500 in the split of up

to two transactions.The Promo code can be used to book movie tickets for any show-date.

4. The Promo code can be used to book movie tickets for any show-date.

5. The offer is valid on cards with the following BIN values only: 44052300.

6. Paytm and IDFC FIRST Bank reserve the right to disqualify any cardholder from the benefits of the

program.

7. Paytm and IDFC FIRST Bank reserve the absolute right to withdraw and/or alter any terms and conditions

of the offer at any time.

8. Cardholders shall not be entitled to compensation/benefits in any form in lieu of the offer being availed.

9. In case of any disputes, Paytm and IDFC FIRST Bank's decision will be final.

• Buy one ticket and get up to ₹250 off on the second ticket on the Paytm Mobile App.

• You can use this offer to avail two free tickets during a month.

Airport Lounges

Movie

Offer

Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

This document outlines the terms and conditions for accessing airport lounges, insurance, airport spa

services, and railway lounges using an IDFC FIRST Wealth Credit Card.

Offer Terms and Conditions

1. Privileges: Cardholders can enjoy up to 2 complimentary visits per quarter to select airport lounges and

spas in India (Domestic and International Terminals) and up to 2 complimentary visits to lounges at

select Overseas (International / Global Lounges) Airport Terminals.

2. Spending Requirements:

a. This program is applicable only on minimum monthly spends of ₹20,000.

b. Spends done between the 1st and last day of a calendar month shall be considered for access in the

next month.

c. All Fresh Purchase Transactions, Cash Withdrawal and net of Refunds/reversals shall be considered

as part of eligible spends.

d. All Card account debits as part of EMI Installments, Charges, Fees, Balance Transfer, Loan will not

be part of eligible spends.

3. Sharing of Benefits: The above terms and conditions shall be applicable to the primary card and all

add-on cards. This benefit will be shared between the primary cardholder and all add-on cardholders.

4. Eligibility and Presentation: This program is applicable at select lounges in India, and it is available to

cardholders with an active IDFC FIRST Wealth Credit Card. To access participating airport lounges

under the program, cardholders must present their IDFC FIRST Wealth Credit Card / DreamFolks card

and a valid air ticket or boarding pass for travel on the same or next day at the entrance of the participating

lounges.

5. Authorization and Charges: Access to the lounge is granted upon successful authorization of the IDFC

FIRST Wealth Credit Card / DreamFolks card on the electronic terminals placed at the lounges. For credit

card authorization, a nominal charge of INR 2 will be deducted to verify the card's validity.

6. Child Entry: Complimentary entry for children below two years is at the discretion of the participating

lounges. Cardholders are encouraged to confirm this policy at the lounge entrance before entering.

7. Access Limitations: This program is open only to cardholders carrying an IDFC FIRST Wealth Credit

Card issued in India. Each cardholder is permitted one entry per visit. Any additional guests or services will

incur extra charges.

8. Lounge Facilities: Eligible cardholders receive access to the lounge, including food and beverages, as

applicable under the agreement between DreamFolks and the lounge. Cardholders are advised to check

what services and facilities are covered under the Lounge Program.

9. Lounge Facilities Maintenance: The lounge shall make reasonable efforts to maintain a suitable

environment in the lounge facilities. This includes keeping the area clean and tidy, ensuring staff are avail

able to respond to queries, and removing individuals whose behavior is unsuitable. The lounge reserves

the right to refuse entry to customers for statutory, regulatory, or airport policy reasons, including health

and safety policies or fire regulations.

10. Capacity Constraints: Access to the lounge is available on a first-come-first-serve basis and is subject

to capacity constraints at each participating lounge. Some participating Global Airport Lounges may

impose a maximum stay policy (typically 2 hours) to prevent overcrowding, at the discretion of the lounge

operator, and may charge for extended stays. The Global Airport Lounge's child policy, where permitted,

may also vary.

11 Lounge Operations and Access: IDFC FIRST Bank or DreamFolks assume no responsibility if a

particular lounge operator shuts down the lounge(s) due to reasons beyond their control. IDFC FIRST

Bank/DreamFolks cannot guarantee lounge access, and access is subject to the operational hours of the

lounge. Access may be restricted or refused under various circumstances, including when the lounge is

at or near full capacity, during flight delays, when the lounge client(s) is not sober or may disturb other

users, or for other valid reasons at the discretion of IDFC FIRST Bank/DreamFolks.

12.Excess Lounge Access: Lounges are available on a chargeable basis in excess of the complimentary

visits or during months when lounge access has not been activated.

Airport Spa Services

Offer Terms and Conditions – Airport Spa Services:

Movie

Offer

Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

Flight Information: Participating airport lounges are not contractually obligated to announce flights

or remind customers of their flight boarding times. Eligible customers are solely responsible for

abiding by the boarding times stated on their flight tickets. The lounge will not be liable for any failure to

board flights by eligible customers for any reason.

Additional Services: Eligible customers should inquire about and are responsible for paying charges

for any separate services, privileges, or meal/food items apart from the general free services/

privileges or meal/food items offered at the participating airport lounge.

Alcoholic Beverages: Alcoholic beverages are not part of the offer at lounges situated at

domestic departure/terminals.

Voluntary Participation: Cardholders are not bound to avail the offer, and any participation by the

cardholder is voluntary. The terms and conditions of the Lounge program are binding on the

cardholder.

Customer Obligations: Customers agree to adhere to any no smoking policies in operation in any

of the Lounge Facilities. Customers can access the lounge for up to 2 hours prior to departure.

Program Changes: IDFC FIRST Bank reserves the right to modify, amend, change, or

revoke the program at any time without prior intimation. The list of eligible lounges is subject to

change from time to time.

Contact Information: For queries or assistance regarding lounge access, customers can

contact IDFC FIRST Bank at 1800 10 888 or email at [email protected], and

DreamFolks at 18001234109 or [email protected].

Terms & Conditions: The terms and conditions of this offer are subject to change.

These terms and conditions outline the eligibility, access requirements, and limitations for cardholders

wishing to enjoy airport lounge access using their IDFC FIRST Wealth Credit Card in India. Cardholders are

encouraged to stay updated on any modifications to the program's terms and conditions.

1. Program Applicability: This program is applicable at select spa centers located at airport locations in

India and is available to cardholders holding an active IDFC FIRST Wealth Credit Card.

2. Access and Entry: To avail of the spa services, the customer must present the DreamFolks privilege

card along with their boarding pass at the spa counter. Only one entry per cardholder will be permitted in

a visit. Additional guests or services will incur extra charges.

3. Authorized Access: Access to the spa services is provided to authorized cardholders only, and a valid

air ticket or boarding pass for travel on the same or next day at the entrance of the participating lounges.

For credit card authorization, a nominal charge of INR 2 will be deducted to verify the card's validity.

4. Services Offered: Cardholders can avail of any one of the following services for up to 30 minutes duration:

a. Foot Reflexology

b. Head or Shoulder Massage

c. Upper Back Massage

5. Therapist and Comfort: IDFC FIRST Bank/ DreamFolks cannot guarantee a specific therapist or

gender. All therapists are trained in above treatments to ensure the customer's comfort.

6. Spa Facilities: The availability of services and facilities at the spa is at the discretion of the spa operator

and may be subject to modifications, eliminations, or additions from time to time.

7. Age Requirement: Spa guests must be 18 years of age or older to avail service, unless accompanied by

an adult.

8. Availability: Spa services are offered on a first-come, first-serve basis. If therapists are busy, cardhold-

ers may have to wait until a therapist is available for the next session.

9. Program Changes: The program can be modified, amended, changed, or revoked at any time by IDFC

FIRST Bank without prior intimation. The program is applicable at select spa centers in India, and the list

of participating spas may change over time.

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Offer

Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

Railway Lounges

Offer Terms and Conditions – Railway Lounges:

1. Privileges: Cardholders can enjoy up to 4 complimentary visits per quarter at participating railway

lounges in India.

2. Complimentary Access: Complimentary railway lounge access is available to both primary cardholders

and add-on cardholders. The four complimentary visits every quarter are shared between them on a

first-come-first-serve basis.

3. Program Applicability: This program is applicable at select Railway Lounges in India and is offered to

cardholders holding an active IDFC FIRST Bank Credit Card. To access the Participating Railway Lounges

under the program, cardholders must present their credit card and a valid train ticket at the entrance of

the lounges.

4. Access and Authorization: Access to the lounge will be granted upon successful authorization of the

credit card on the DreamFolks electronic terminals placed at the lounges. A fee of INR 2 will be charged

on the card to verify the card's validity. Once a valid card is swiped successfully for lounge access, it can

only be used again after 24 hours from the last access.

5. Additional services: Access to the lounge is provided on a first-come-first-serve basis. Any additional

services such as recliners or more will be chargeable separately, as per the operator's pricing for those

services.

6. Excess Lounge Access: Lounges are available on a chargeable basis in excess of the complimentary

visits.

7. Access for Children: Children below 2 years of age can enjoy complimentary lounge access. However,

if they consume any services or food and beverages, the lounge operator reserves the right to charge the

cardholder for these services.

8. Additional Charges After 2 Hours: After 2 hours of lounge stay, the lounge reserves the right to charge

the cardholder for respective services.

9. Guest Access: Eligible IDFC FIRST Bank Cardholders can use their complimentary visit quota to bring

one guest into the Railway Lounge at no extra charge. Guests are required to present their valid train

ticket and any government-issued identity proof at the lounge's entrance. Failure to present these items

may result in access being denied. Guest access and fees are subject to the terms and conditions of

participating lounges.

10. Voluntary Participation: Cardholders are not bound in any manner to avail the offer, and any participa-

tion by the cardholder is voluntary. The terms and conditions of the spa center shall be binding on the

cardholders.

11. Spa Operator Closure: IDFC FIRST Bank or Dreamfolks assume no responsibility if a particular spa

operator shuts down due to reasons beyond their control.

12. Non-Exchangeable Service: This spa service is non-exchangeable for any other goods and services.

13. Contact Information: For queries or any assistance pertaining to the spa services, customers can

contact IDFC FIRST Bank at 1800 10 888 or email at [email protected] and DreamFolks at

18001234109 or [email protected].

14. Terms & Conditions: The terms and conditions of this offer are subject to change.

These terms and conditions provide guidance to cardholders seeking to access airport spa services

using their IDFC FIRST Wealth Credit Card. Cardholders are encouraged to stay updated on any modifi-

cations to the program's terms and conditions.

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Offer

Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

Eligible List of Railway Lounges:

10. Complimentary Lounge Facilities: The complimentary access to the railway lounge includes the

following facilities:

a. Two hours of lounge stay

b. Air-conditioned comfortable seating arrangements

c. One buffet meal (breakfast, lunch, or dinner as per the time of visit). Only one buffet meal per visit will

be provided to eligible cardholders.

d. Unlimited tea and coffee

e. Free Wi-Fi

f. Access to newspapers and magazines

11. Lounge Closure: IDFC FIRST Bank and DreamFolks assume no responsibility in case a particular

lounge operator shuts down the lounge(s) for any reason beyond their control.

12. Merchantability Responsibility: IDFC FIRST Bank and DreamFolks assume no responsibility for the

merchantability of the services provided in the lounge. Their efforts are aimed at delivering the best possi-

ble service.

13. Program Modifications: The program can be modified, amended, changed, or revoked at any time by

IDFC FIRST Bank without prior intimation.

14. Customer Support: For queries or assistance regarding lounge access, customers can contact Dream-

Folks at 18001234109 or write to [email protected].

These terms and conditions outline the process and guidelines for accessing railway lounges using an IDFC

FIRST Bank Credit Card, with details on complimentary services and other important provisions. Cardholders

are advised to keep themselves informed about any changes to these terms and conditions.

City

Agra

Ahmedabad

Jaipur

Kolkata

Madurai

New Delhi

Varanasi

Platform No.

Platform 1

Platform 8

Platform 1

Platform 16

Platform 1

Outlet Name

IRCTC Executive Lounge

Railway Station

Agra Cantt Railway Station

Ahmedabad Kalupur Railway Station

Jaipur Railway Station

Kolkata (Sealdah) Railway Station

Madurai Railway Junction

New Delhi Railway Station

Varanasi Cantt Railway Station

1. IDFC FIRST Bank card holder should call Toll-free Number 18005723860 to avail Emergency

Road side Assistance (RSA).

2. IDFC FIRST Bank card holder will share their Full Name, last four digits as on card to Global

Assure to claim RSA services. Upon validation of above details a fleet vehicle will be sent to

the cardholder location.

3. IDFC FIRST Bank card holder will show any own Govt ID proof / Car ID (RC Copy,

PUC Certificate, Insurance Copy) to the fleet vehicle agent. RSA Service will be provided post

validation and name match on Govt ID/Car ID with the name on the IDFC FIRST Bank

credit card.

4. All the services to IDFC FIRST Bank card holder will be provided as per the below mentioned

terms & conditions.

5. IDFC FIRST Bank card holder can avail up to a maximum of 4 complimentary RSA

services in ayear.

Plan Features Details

Towing of Vehicle on

breakdown/accident

In the event Covered Vehicle suffers an immobilizing break

down due to a mechanical or electrical fault or an accident

which cannot be repaired on the spot, Global Assure will

assist in making arrangement for the Vehicle to be towed to

the nearest Authorised Service Centre, using tow trucks in

the cities & corresponding covered area where availabl

Towing Distance - Incident to Drop 50 Kms.

Alternate Battery or Jump Start

In the event Covered Vehicle is immobilized, while on trip,

due to rundown battery, Global Assure will assist the

Customer by organizing for a Vehicle technician to jump

start the Vehicle with appropriate means. Global Assure will

bear labour and conveyance costs. If the run-down battery

has to be replaced with a new battery, the cost of such

battery replacement an

d any costs to obtain the battery will

be borne by the Customer.

Tyre Change In the event Covered Vehicle is immobilized due to a flat

tyre, Global Assure will assist the Customer by organizing

for a vehicle technician to replace the flat tyre with the

spare Stepney tyre of the Vehicle at the location of

breakdown. Global Assure will bear labour cost and round-

trip conveyance costs of the provider. Material/spare parts

if required to repair the Vehicle (including r

epair of flat

spare Stepney tyre) will be borne by the Customer. In case

the spare tyre is not available in the covered Vehicle, the

flat tyre will be taken to the nearest flat tyre repair shop for

repairs & re-attached to the Vehicle. All incidental charges

for the same shall be borne by the Customer.

Terms & Conditions:

Road Side Assistance

Offer Details:

Complimentary Road Side Assistance (RSA) all over India, up to 4 times in a year

How to Avail:

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Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

Breakdown support

Taxi Benefit

Arrangement of spare keys

Arrangement of fuel

Extraction or Removal of vehicle

Message relay to

relatives/colleagues/emergency

numbers

In the event Covered Vehicle breaks down due to a minor

mechanical / electrical fault / accident and immediate repair

on the spot is deemed possible within the scope of

services, Global Assure shall assist Customer by arranging

for a vehicle technician to reach the breakdown location.

Global Assure will bear labour cost and conveyance costs.

Cost of Material & Spare Parts if required to repair the

vehicle on the spot and any other incidental conveyance to

obtain such material & spare parts will be borne by the

Customer.

If the keys of the covered vehicle are locked inside the

vehicle, broken, lost, or misplaced, Global Assure (upon

the request of the customer) will arrange for the forwarding

of another set from his/her place of residence or office by

courier / in person by hand-delivery to the location of the

vehicle after receiving the requisite authorization

s from the

Customer with regards to the person designated to hand

over the same to Global Assure. The Customer may be

requested to submit an identity proof at the time of delivery

of the keys.

In the event Covered Vehicle runs out of fuel and hence is

immobilized while on a trip, Global Assure will assist

Customer by organizing for a Vehicle technician to supply

emergency fuel (up to 5 litres on a chargeable basis) at the

location of breakdown. Global Assure will bear labour and

conveyance costs. The cost of the fuel will be borne by the

customer.

Ambulance Referral

Penalty Clause

In event of vehicle being stuck in a ditch/pit/valley, Global

Assure will make the arrangement to get the vehicle

retrieved and towed to the nearest authorised service

centre at no cost to the Customer. (Free towing to & Fro up

to 50 KM)

Global Assure will take charge of relaying urgent messages

relating to the breakdown to the authorized workshop

and/or service contacts. When requested, Global Assure

will relay urgent messages on behalf of the Customers to a

designated person of their choice.

In the event Covered Vehicle suffers an immobilizing break

down due to an accident, Global Assure will assist in

making arrangement for the Ambulance. Ambulance

charges will be borne by the customer

In case Global Assure is not able to service as per the

agreement then Global Assure will reimburse customer

In the event Covered Vehicle suffers an immobilizing break

down due to a mechanical or electrical fault or an accident

which cannot be repaired on the spot, Global Assure will

assist in making arrangement for the taxi. Taxi charges will

be borne by the customer

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Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

General Exclusions:

1. Any vehicle which has not been maintained regularly as per the guidelines of respective car

manufacturers and thus is not in roadworthy condition.

2. Any event where breakdown is caused by deliberately inflicted damage, vandalism or

participation in a criminal act or offence.

3. Any customer history where customer has twice on prior occasions misused or abused

the services.

4. Any event when the driver of the vehicle is found to be in any of the situations

that are indicated below:

(i) The state of intoxication or under the influence of drugs, toxins or narcotics not medically

prescribed. For these effects, one is under the effect of alcoholic drinks when the degree of

alcohol in the blood is greater than that authorized by the legislation on traffic, motor vehicle

circulation, road safety, or similar ones in the country where the incident occurs.

(ii) Lack of permission or corresponding license for the category of the Covered Vehicle or

violation of the sanction of cancellation or withdrawal of them.

5. Those accidents resulting from the illegitimate removal of the Covered Vehicle.

6. Those accidents or breakdowns that are produced when the Client or the authorized driver have

infringed upon the regulatory ordinances as far as the requisites and number of persons

transported, weight and means of things and animals that can be transported or the form of

handling.

7. Those happening while the vehicle lacks documentation or requisites (including the Technical

Inspection of the Vehicles and Obligatory Insurance) legally necessary to circulate on public

roads in the country where the Covered Vehicle is found.

8. Any vehicle involved in or liable to be involved in legal case prior to or post immobilization.

9. Those caused by fuels, mineral essences, and other inflammable, explosive or toxic materials

transported in the Covered Vehicle.

10. Any public vehicle like ambulances, taxis, police vehicles and / or fire brigade vehicles and any

other vehicle not used for private use are excluded of all the services coverage under these

general conditions.

11. Any accident or breakdown caused due to usage of the car for racing, rally and criminal

activity purposes.

12. Luggage that is not sufficiently wrapped or identified, fragile luggage or perishable products,

and any commercial goods carried in the Covered Vehicle.

13. Assistance to occupants of the Covered Vehicle different to those defined as beneficiaries.

14. Any animals carried in the Covered Vehicle.

per incidence.

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Airport

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Railway

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Assistance

Golf

Insurance

16. Events which do not render the vehicle immobilized are not covered under the program. Some

examples of such events are given below:

• Non-functional horn.

• Faulty gauges and meters.

• Air conditioning is not working.

• Boot cannot be opened.

• Front and /or rear demisters are not working.

• Damaged door glasses.

• Broken Rear view mirror or rear windshield.

• Sunroof cannot be opened.

• Sunroof cannot be closed

• Windows cannot be opened or closed.

• Faulty Seat adjuster.

• Passenger seat belts are faulty.

• Vehicle headlights not functional.

• Illumination of warning lamps of any non-safety related lights/service warnings

lights but vehicle not rendered immobilized.

• Electronic Vehicle security systems, if fitted as standard equipment, are faulty

but do not render it immobilized or alarm is not ringing incessantly.

• ABS light lamp glows ON.

• Vehicle runs out of windscreen wiper fluid.

• Front wipers are faulty.

• Rear windscreen wiper is faulty

• Damaged or faulty fuel caps

• Any noises or unusual sound which does not render the vehicle immobilized

• Other faults in the vehicle which do not render it immobilized but need repair at the workshop.

17. The problems / situations mentioned shall not immobilize the vehicle. It is important to consider

that such a program is designed for emergencies. However, as it is endeavour of GLOBAL

ASSURE to provide best customer support. In any such case if GLOBAL ASSURE finds that

customer’s safety might be at risk or he may be in adverse situation, relevant assistance

service shall be activated as a goodwill measure.

Adverse weather conditions & Force Majeure:

It shall be our endeavor to support the covered vehicle promptly as per the terms of the program.

However, in certain adverse weather conditions such as floods, thunderstorms, heavy rains, and other

adverse conditions such as traffic congestion, political movements, civil unrest, protests etc. it may

become physically impossible to provide assistance. This may affect our ability and capabilities to

promptly support the vehicle though it shall be our priority to support the covered vehicle by all feasible

means.

Right of Refusal:

In case it is found at any stage that false information has been furnished by a Customer to enroll in

the program or in case the program is misused or abused, the services may be refused by GLOBAL

ASSURE to the Customer and the Customer in such cases, shall not have any right of claim against

GLOBAL ASSURE or IDFC FIRST Bank.

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Airport

Lounge

Railway

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Road Side

Assistance

Golf

Insurance

Offer Details

Avail up to two (2) complimentary golf rounds or golf lessons every month for every `20,000 of

monthly statement spends using your IDFC FIRST Wealth Credit Card

• Avail One Complimentary Golf Round/Lesson for fresh monthly statement spends of `20k

• Avail Two Complimentary Golf Round/Lesson for fresh monthly statement spends of `40k

and above

Eligible spends for Complimentary Golf Round/Golf lesson:

• All Fresh Purchase Transactions net of Refunds/reversals shall be considered as part of

eligible spends

• All Card account debits as part of Cash Withdrawals, EMI, Charges, Fees, Balance Transfer,

Loan will not be part of eligible spends

How to Avail the offer through our Golf Partner - Golftripz:

• Spend at least `20,000 in a monthly statement cycle using your FIRST Wealth Credit Card

• Onwards the First calendar date of next month book your Golf Round/Lesson on

https://idfcfirst.truztee.com/ . Use your registered email ID with IDFC FIRST Bank and OTP sent

on your email ID to log into the website. Each complimentary Golf Round/lesson benefit is valid

for a period of 60 days from the day it is updated in the online account.

• You can make a Booking upon Clicking “Make a Booking” tab on the website. Choose your

favorite Golf course, time slot and send your booking request. Card Validation charges of `2

shall be charged on the payment gateway as part of the booking request. Golftripz shall send

booking request confirmation on your registered email ID

• Upon confirmation of your booking from the Golf Course, Golftripz shall send the Booking

confirmation voucher on your registered email ID.

• On the booking date, show your Booking voucher/ID details to gain entry at the Golf course and

enjoy your Golf round/lesson tee time.

Offer Terms and Conditions:

• This program is applicable only for the Primary Cardholders of the eligible IDFC FIRST Wealth

Credit Card holder as per the benefits specified.

• Cardholders will need to sign in to the golf program account online at idfcfirst.truztee.com using

the same email as registered with their IDFC FIRST Bank Credit Card account.

• The complimentary benefits(s) will be visible in the Cardholder’s online account as per

the eligibility criteria.

• The eligible cardholders can view the complimentary benefits(s) earned in a calendar month by

the 1st of next month in their online account at idfcfirst.truztee.com.

• Each complimentary benefit is valid for a period of 60 days from the day it is updated in the online

account and will need to be consumed within 60 days. The benefit expires after 60 days and

cannot be extended beyond this period.

• A booking can be made as per the specified timelines by completing the booking request form and

paying a Card Validation Fee of `2 using the IDFC FIRST Wealth Credit Card.

Golf

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Booking process and rules:

• This facility / benefit from IDFC FIRST Bank is being facilitated to cardmembers through

“Greenedge Enterprise Private Limited” (Truztee/Golftripz) who represents a Service provider

and the bookings shall be processed through the Service provider only.

• Bookings are subject to availability.

• Bookings on weekdays & weekends are subject to minimum flight requirement.

• Bookings are valid only for the stated date & time and for the duration of the lesson/

Golf Round only

• Client can check in with his/her name on arrival at the venue, however, in the event that the golf

club requires more information, please show the confirmation details. It is mandatory to carry

the booking confirmation details to the golf facility.

• Voucher needs to be given/shown during registration at the golf club to avail the service.

• Only one booking per day per cardholder can be confirmed.

• Bookings window open 14 days prior and close 3 days prior to the actual play date.

• Bookings will be processed by the golf facility between 7 to 2 days prior to the play date after

which a confirmation is provided subject to availability. Booking confirmation shall be sent to the

cardholder's registered email address.

• Bookings can be cancelled up to 4 days in advance to the play date (excluding the play date.

For certain Golf clubs, the cancellation policy may be more stringent and will be updated time to

time on the Golf booking portal

Golf course policy:

• Card member must be in possession of a valid Handicap Certificate (Maximum Handicap:

24 for Men | 36 for ladies) at the time of registration to avail the complimentary round of golf

• Golfers are subject to golf club's rules on minimum handicap requirements, producing valid

handicap certificates and any other requirements. The golf club reserves the right to

reject/restrict play in the event of not fulfilling these requirements

• Guests cannot entertain their guests/family members/friends at the golf club without explicit

permission from the Golf club to do so

• The list of Golf Clubs included in the program are subject to change without any prior notice

• Golf Courses will not be accessible on tournament days and other holidays when it is closed

for guests

• Golf clubs will not entertain any correspondence/enquiries and/or attempts for bookings directly

from the participating golfers and golf clubs will not respond directly to any such enquiries

• Golf course terms and conditions apply and are subject to change

• Access to the golf clubs cannot be used by the participating golfers in conjunction with any

other promotional golf program or to participate in any private event, tournament or any other

special golf day arrangement

• The client will be solely liable for any violations by them of any local rules/policies of the golf

clubs including behaviour on the course/property. The Service Provider will not be held liable for

any such violations. The card members will be solely responsible for any damage to the golf

course/property/equipment/practice areas/etc

• Rain check policy is subject to the discretion/rules of the golf club

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Inclusions and payment terms and conditions:

• Only the mentioned inclusions for each golf facility viewable while making a booking is provided

as part of the program

• Any additional services are to be paid for directly at the golf facility by the Cardholder

• The Golf Rates are subject to change as golf courses periodically revise their rates.

The updated rates will be communicated in case of any changes to the above stated ones

• Guest bookings & Paid bookings can only be confirmed upon receiving the payment within

the timelines mentioned in the payment due email sent to the cardholder

• Tips & Gratuities (caddies, guide, drivers etc) are not included as a part of the program and

need to be paid directly to the caddie/guide/driver

• Weekend refers to Saturday, Sunday & Public or Bank Holidays as stated by the golf course.

The rates for weekday and weekend differ

General Terms & Conditions:

• IDFC FIRST Bank/Greenedge Enterprises Pvt Ltd (Truztee/Golftripz) is not responsible for or

liable for any action, claims, demands, losses, damages, cost, charges and expenses which

the client may suffer, sustain or incur including but not limited to changes or cancellations

of the services provided under this program

• IDFC FIRST Bank/Greenedge Enterprises Pvt Ltd (Truztee/Golftripz) is not responsible for

the quality of the services provided by the golf club or the golf pros

• Other T&Cs of the golf club applies

• IDFC FIRST Bank/Greenedge Enterprises Pvt Ltd (Truztee/Golftripz) and their partners and

agents, employees, directors, officers, representatives, shareholders, host golf clubs and other

suppliers of goods and services accept no liability from any and all claims for damages for death,

personal injury or property damage which the golfer, his/her personal representatives, heirs,

next-of-kin, assigns and insurers may have, or which may hereafter accrue, as a result of using

the services provided in this program

• IDFC FIRST Bank/Greenedge Enterprises Pvt Ltd (Truztee/Golftripz) shall not be considered

liable or in default of providing the golf services if such performance is prevented by adverse

conditions, which is beyond its control

• IDFC FIRST Bank/Greenedge Enterprises Pvt Ltd (Truztee/Golftripz) role is to provide access and

golf bookings to the facilities mentioned in the program. However, the Service Provider bears no

direct or indirect control over the “Golf Facilities” and their internal policies, rules and service

quality and hence in no way shall be held responsible for the same.

Golf lesson policy:

• The golf professional assigned to the golf learning experience is based on availability and

program tie ups and guests may not be able to request for specific Pros at the time of the

lesson. All such requests have to be received prior to the confirmation of the booking and

additional charges may apply

• All terms & conditions of the golf club or learning facility will need to be followed

• In general, Balls & Equipment provided during the lesson is 1 bucket of balls and 1 golf club

used during the golf lesson

•

The proper dress code has to be adhered to during the golf lesson

•

At certain courses, it will be mandatory for visitors to accompany a club member in their flight on

weekends/public holidays or on specified dates as stipulated by the golf course booking rules to get

access to the golf course. Bookings without an accompanying club member will not be confirmed.

The below golf courses require to join a club member on weekends / public holidays / during tournaments

• Jaypee Greens Golf & Spa Resort

• ITC Classic Golf Resort

• Willingdon Sports Club

• Bombay Presidency Golf Club (Bookings are subject to availability)

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Golf round policy:

• The inclusions provided in the golf round will be subject to change

• If not mentioned in “Inclusions”, voucher does not include caddie fees, buggy fees, caddie tips &

any other services

• The golf clubs reserve all rights to slot in golfers to fill any vacant slots in flights without having

to inform the golfers who have already made their tee time booking during weekdays or

weekends

• Golfers participating in this program shall be allowed to play with members of the club or any

other Green Fee paying guests and use the benefits of this program, provided that a confirmed

golf booking is held by the other players and the golf club allows clubbing of bookings. In some

instances, golf club will not allow clubbing of bookings

• All tee times should be booked in advance through Greenedge Enterprises Pvt Ltd

(Truztee/Golftripz). No walk-ins or direct payment to Golf Clubs are allowed in this program.

• The minimum flight requirement on weekdays is 2 ball on a weekday and 3 ball on a weekend.

In certain cases, this requirement may be different and will be communicated at the time of

confirming the booking.

• Whether on weekdays or weekends (or public holidays), tee times provided for single or 2

golfers are indicative as the golf course reserves the right to hold them up for a period of time

(not beyond reasonable limits) to team the golfer/s up with other golfers to optimize pace of play

on the course as per the course policy or otherwise

• This golf program is valid for golf course access only to individual golfers and is not valid for any

Group Bookings

• Golf Clubs may at any time change the inclusions for the Golf Rounds and any additional

services need to be paid for directly to the Golf Club

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* T&Cs Apply

* List of courses are subject to change

* Some courses may restrict access on weekends

# City Name of Golf Course

1 Ahmedabad Kalhaar Blues & Greens

2 Ahmedabad Glade One Golf Club

3 Ahmedabad Kensville Golf Club

4 Ahmedabad Gulmohar Greens Golf Club

5 Bengaluru Zion Hills Golf Club

6 Bengaluru Prestige Golfshire Club

7 Bengaluru Clover Greens

8 Bengaluru Eagleton Golf Resort

9 Chandigarh Panchkula Golf Club

10 Chennai Madras Gymkhana Club

11 Chennai Tamilnadu Golf Federation

12 Cochin CIAL Golf & Country Club

13 Delhi NCR Golden Greens Golf Club

14 Delhi NCR Jaypee Gree

ns Golf & Spa Resort

15 Delhi NCR ITC Classic

Delhi NCR KarmaLakeLands

17 Delhi NCR Jaypee Wishtown

18 Goa The Lalit Goa Golf Greens

19 Gurgaon Manesar Golf Club

20 Hyderabad Boulder Hills Golf & Country Club

21 J & K Gulmarg Golf Club

22 Jaipur Royal Jaipur Golf Club

23 Jaipur Rambagh Golf Club

25 Jamshedpur Beldih Golf Course

26 Jamshedpur Golmuri Golf Course

27 Jorhat, Assam Kaziranga Golf Club

28 Kodaikanal Kodaikanal Golf Club

29 Kolkata Tollygunge Club

30 Mumbai Premium Golf Course in Mumbai

31 Mumbai Bombay Preside

ncy Golf Club

32 Mumbai 9 Aces

33 Mumbai Kha

rghar Valley Golf Course

34 Pune Poona Golf Club

35 Vadodara Gaekwad Baroda Golf Club

36 Visakhapatnam East Point Golf Club

GOLF COURSES FOR IDFC FIRST GOLF BENEFIT PROGRAM

List of Golf Courses for Golf Rounds:

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* T&Cs Apply

* List of courses are subject to change

* Some courses may restrict access on weekends

# City Name of Golf Academy/Lesson

1 Ahmedabad Kalhaar Blues & Greens Golf Club

2 Bangalore Prestige Golfshire Club

3 Chandigarh CGA Golf Academy

4 Delhi Golden Greens Golf Club

5 Delhi Jaypee Greens Golf Course

6 Gurugram Hamoni Golf Camp

7 Delhi Siri Fort Sports Complex

8 Hyderabad Boulder Hills Golf & Country Club

9 Kolkata ProTouch Golf Academy

10 Mu

mbai Golden Swan Golf Academy

11 Pune Poona Golf

Club

12 Chennai AKDR

GOLF LESSONS FOR IDFC FIRST GOLF BENEFIT PROGRAM

List of Golf Courses for Golf Lessons:

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Insurance Benefit

Complimentary Coverages

`50,000

Sum Insured -

FIRST WEALTH Credit Card

Card Liability Cover - Covers for Lost Card Liability, Counterfeit /Skim-

ming/Phishing and Online Fraud Protection for transactions on Cardhold-

er's IDFC FIRST Bank Credit Card. Cover is applicable for Active card i.e

Cardholder should have done atleast 1 Purchase/ATM Withdrawal trans-

action during the last 30 days using their IDFC FIRST Bank Credit Card

`10,00,000

Personal Accident including - Covers accidental death or Permanent

Disability due sudden, unforeseen and involuntary event caused by

external, visible and violent means. Claim under this cover is payable

only once irrespective of the number of cards held by the cardholder.

Cover is applicable for Active card i.e Cardholder should have done

atleast 1 Purchase/ATM Withdrawal transaction during the last 30 days

using their IDFC FIRST Bank Credit Card

`50,000

Credit Shield - Cover in respect of the debits established against the

Cardholder resulting only from the use of the IDFC FIRST Bank Credit

Card by the Cardholder in the event of an accidental death of the

Cardholder. Cover is applicable for Active card i.e Cardholder should

have done atleast 1 Purchase/ATM Withdrawal transaction during the

last 30 days using their IDFC FIRST Bank Credit Card

`50,000

`10,000,000

Purchase Protection - Cover against Standard Fire and Allied perils and

Burglary in residential premises of the cardholder as per the records of

the Bank only. Cover is valid for 60 days from the date of purchase. Cover

valid for purchases on IDFC FIRST Bank Credit Card only. Cover is

applicable for Active card i.e Cardholder should have done atleast 1

Purchase/ATM Withdrawal transaction during the last 30 days using their

IDFC FIRST Bank Credit Card

Loss of Checked-In

Baggage - USD 500

Delay In Flight - USD 300

Delay of Checked-In

- USD 100

Loss of Passport and other

documents - USD 300

Travel Insurance covering Loss of Checked-In Baggage, Delay in

Flight, Delay of Checked-In Baggage, Loss of Passport and

documents. Claim would be payable only if the ticket is purchased

from the covered card. Cover is applicable for Active card i.e Card-

holder should have done atleast 1 Purchase/ATM Withdrawal transac-

tion during the last 30 days using their IDFC FIRST Bank Credit Card

Personal Air Accident - Covers Air accidental death arising out of

Aircraft, schedule Airlines etc. Claim would be payable only if the ticket

is purchased from the covered card. Cover is applicable for Active

card i.e Cardholder should have done atleast 1 Purchase/ATM With-

drawal transaction during the last 30 days using their IDFC FIRST

Bank Credit Card

Complimentary Insurance Coverages – Below insurance coverages are available to IDFC FIRST Bank

Cardholders through their Insurance partner National Insurance Company Limited. The empaneled broker for

the policy who shall also assist the cardholders/legal nominees with the Insurance claims is Marsh India

Insurance Brokers India Pvt Ltd.

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Zero Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud

Protection)

Lost Card Liability

• Fraudulent utilization of lost or stolen covered card including at point of sale and merchant

establishments transactions are covered.

• PIN based transactions are not covered.

• Any PIN based transactions (like ATM withdrawal, Purchase, Internet and telephone etc) are

covered provided the Pin is acquired under duress by unauthorized person

• Coverage of cards forgotten by the customer in the ATM will be covered provided the card is

used by unauthorized person using card no. & CVV

Counterfeit/Skimming:

• Losses arising out of unauthorized/ fraudulent transactions on Counterfeited/skimmed card on

ATM/POS/ EDC terminal

• Any PIN based transactions (like ATM withdrawal, Purchase, Internet and telephone etc) are

covered provided the Pin is acquired under duress by unauthorized person

• Losses arising out of duplicate or counterfeit cards as issued by the Bank created without the

Card holder’s knowledge.

• Counterfeit Card shall mean a Card which has been embossed or printed to pass off as a Card

issued by the Bank which is subsequently altered or modified or tampered with without consent of

the Bank.

Online Fraud Protection/Phishing

• Phishing/ account takeover Fraudulent loss or damage arising due to Information obtained by

Unauthorized Access to sensitive information such as Usernames, passwords and any card details

by masquerading as a trustworthy entity in an electronic communication which is not owned,

operated or contracted by the Insured or the Insured’s Bank Card processor.

• The coverage covers all online fraudulent utilization of Credit Cards using the authorized CVV

(Card Verification Value Code)/PIN issued to the Cardholder by the Bank.

• Vishing attacks - Any fraudulent usage/ unauthorized withdrawals arising due to information

obtained by unauthorized access to sensitive information such as username, password, OTP by

masquerading as a trustworthy entity in a voice communication.

GENERAL EXCLUSIONS:

• Fraudulent transactions done by person known to the cardholder.

• All Losses arising from breach of 2nd level authorizations

• Claim due to deliberate breach of law

• Gross Negligence

• Any failed/ duplicate/ declined transactions by host website/ authorized bank

• Any losses arising due to server hacking or data breach

General Terms and Conditions

• Card holder should block/cancel the card as soon as practicable, but not more than 7 days from the

date of notification of fraud transaction via SMS/Card statement/Email/Net Banking or by any other

means

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Claim Process

• Block / Hotlist the card by calling IDFC FIRST Bank helpline no. 18605001111 within 24 hours of

discovering unauthorized transactions.

• In case of Lost / stolen / skimming of Card, file a Police intimation / FIR within 24 hours of

discovering unauthorized transactions. Requirement of FIR/Diary register (Noting) is not

mandatory for Lost Card Liability/Fraud upto INR 1,00,000

• The cardholders can call IDFC FIRST Bank helpline no. 18605001111 or write at

[email protected] to report the fraudulent transactions.

• The Bank/Insurance Company shall investigate the unauthorized transactions and inform the card

holder about the claim process and required documentation.

• The findings of the Bank's investigation will be final and binding on the customer.

Personal Accident/ Credit Shield/ Purchase Protection Cover

Personal Accident (PA) - Covers accidental death or Permanent Disability due to sudden, unforeseen

and involuntary event caused by external, visible and violent means. Claim under this cover is payable

only once irrespective of the number of cards held by the cardholder.

• PA Death / Permanent Disability : Minimum 1 transaction in a month i.e Cardholder should have

done atleast 1 Purchase/ATM Withdrawal transaction during the last 30 days using their IDFC

FIRST Bank Credit Card

• Claim under this cover is payable only once irrespective of the number of cards held by the card

holder

• In the event of Insured having multiple cards, the Personal Accident claim would be payable on one

card only, with maximum benefit (highest sum insured)

• Personal Accident covers accidental death/disability due to sudden, unforeseen, unexpected,

unusual and involuntary event caused by external, visible and violent means, which occurs at an

identifiable time and place during the period of insurance.

• Terrorism is covered

• Death due to participation in dangerous sports activities, attempted suicide, self injury, or under

influence of intoxicating liquor or drugs or any kind of natural death will not be covered

Personal Air Accident

1. In the event of Air accidental death arising out of Aircraft, schedule Airlines etc. as defined under

the policy the claim would be payable only if the ticket is purchased from the covered card.

2. Minimum 1 transaction in a month i.e Cardholder should have done atleast 1 Purchase/ATM With-

drawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card

3. Claim under this policy is payable only once irrespective of the number of cards held by the card

holder

4. In the event of Insured having multiple cards, the Personal Accident claim would be payable on one

card only, with maximum benefit (highest sum insured

5. Claim would be payable only if the same is intimated to the Insurance company within 60 days from

the date of accidental death

6. Pilots, Armed Forces, Police, Air crew are not covered

Credit Shield:

1. Cover in respect of the debits established against the Cardholder resulting only from the use of the

Credit Card by the Cardholder in the event of an accidental death of the Cardholder.

2. Minimum 1 transaction in a month i.e Cardholder should have done atleast 1 Purchase/ATM

Withdrawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card

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Claim Process

• Block / Hotlist the card by calling IDFC FIRST Bank helpline no. 18605001111 within 24 hours of

discovering unauthorized transactions.

• In case of Lost / stolen / skimming of Card, file a Police intimation / FIR within 24 hours of

discovering unauthorized transactions. Requirement of FIR/Diary register (Noting) is not

mandatory for Lost Card Liability/Fraud upto INR 1,00,000

• The cardholders can call IDFC FIRST Bank helpline no. 18605001111 or write at

[email protected] to report the fraudulent transactions.

• The Bank/Insurance Company shall investigate the unauthorized transactions and inform the card

holder about the claim process and required documentation.

• The findings of the Bank's investigation will be final and binding on the customer.

Personal Accident/ Credit Shield/ Purchase Protection Cover

Personal Accident (PA) - Covers accidental death or Permanent Disability due to sudden, unforeseen

and involuntary event caused by external, visible and violent means. Claim under this cover is payable

only once irrespective of the number of cards held by the cardholder.

• PA Death / Permanent Disability : Minimum 1 transaction in a month i.e Cardholder should have

done atleast 1 Purchase/ATM Withdrawal transaction during the last 30 days using their IDFC

FIRST Bank Credit Card

• Claim under this cover is payable only once irrespective of the number of cards held by the card

holder

• In the event of Insured having multiple cards, the Personal Accident claim would be payable on one

card only, with maximum benefit (highest sum insured)

• Personal Accident covers accidental death/disability due to sudden, unforeseen, unexpected,

unusual and involuntary event caused by external, visible and violent means, which occurs at an

identifiable time and place during the period of insurance.

• Terrorism is covered

• Death due to participation in dangerous sports activities, attempted suicide, self injury, or under

influence of intoxicating liquor or drugs or any kind of natural death will not be covered

Personal Air Accident

1. In the event of Air accidental death arising out of Aircraft, schedule Airlines etc. as defined under

the policy the claim would be payable only if the ticket is purchased from the covered card.

2. Minimum 1 transaction in a month i.e Cardholder should have done atleast 1 Purchase/ATM With-

drawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card

3. Claim under this policy is payable only once irrespective of the number of cards held by the card

holder

4. In the event of Insured having multiple cards, the Personal Accident claim would be payable on one

card only, with maximum benefit (highest sum insured

5. Claim would be payable only if the same is intimated to the Insurance company within 60 days from

the date of accidental death

6. Pilots, Armed Forces, Police, Air crew are not covered

Credit Shield:

1. Cover in respect of the debits established against the Cardholder resulting only from the use of the

Credit Card by the Cardholder in the event of an accidental death of the Cardholder.

2. Minimum 1 transaction in a month i.e Cardholder should have done atleast 1 Purchase/ATM

Withdrawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card

Purchase Protection:

1. Cover against Standard Fire and Allied perils and Burglary in residential premises of the cardholder

as per the records of the Bank only. Cover is valid for 60 days from the date of purchase. Cover

valid for purchases on Bank credit cards only. Cover for residential address of the card holder in

India as per the records of the Bank

2. Minimum 1 transaction in a month i.e Cardholder should have done at least 1 Purchase/ATM With

drawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card

3. The Insurance company shall indemnify the valid cardholders for any item purchased using the

Credit card anywhere in the Geographical Area when such items is in transit from the place of

purchase to the residence of the card holders and when the item is contained in the residence of

the cardholder when such item is lost or destroyed due to fire, burglary, theft, riot and strike,

malicious damage, and by accidental external means for a period of 60 days from the date of

purchase of such item

4. Cover is valid for 60 days from the date of purchase

5. Jewellery, perishable items are not covered

6. STFI, RSMD, SRCC are covered

7. Cover for residential address of the card holder as per the Bank records of the cardholder only

8. Earthquake, Terrorism are not covered

9. Mysterious disappearance is not covered

TRAVEL INSURANCE

Loss of checked in Baggage:

1. Compensation up to Sum Insured will be paid in the event of the Insured suffering a total loss of

Baggage while on a Journey that has been checked by an International Airline for an International

flight.

2. Insured will be reimbursed for the expense incurred for emergency purchase of basic essential items

(Clothes, toothpaste, toothbrush etc.) in the event his baggage is lost. Invoice is not required for claim

3. Valuables are not covered. Valuables shall mean photographic, audio, video, computer, telecommunication

and electrical equipment, telescopes, binoculars, spectacles, sunglasses, antiques, watches, furs

and articles made of precious stones and Metals

4. No partial loss or damage shall be compensated

5. Claim would be payable only if the ticket is purchased from the covered card. Cover is applicable for

Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction during

the last 30 days using their IDFC FIRST Bank Credit Card

Delay of Checked in Baggage:

1. Insured will be reimbursed for the expenses incurred for emergency purchase of basic essential

items (Clothes, toothpaste, toothbrush etc.) in the event that he suffers a delay of Baggage of more

than 12 hours from the scheduled arrival time at the destination for delivery of Baggage that has

been checked by an International Airline for an International flight.

2. A non-delivery certificate or PIR must be obtained immediately from the international airline which

must be submitted to the company in the event of a claim hereunder

3. No Compensation Certificate from international airlines would be required to be submitted at the

time of claim. Claimant should provide the invoices of basic essential items purchased during the event.

4. Claim would be payable only if the ticket is purchased from the covered card. Cover is applicable

for Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction

during the last 30 days using their IDFC FIRST Bank Credit Card

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Loss of Passport and travel related documents:

1. Covers for reimbursement of expenses incurred in procuring travel related documents namely

Passport / Visa. All cost incurred in procuring including application fees for the lost passport

including any travel documents such as Visa in event of a loss.

2. Claim would be payable only if the ticket is purchased from the covered card. Cover is applicable

for Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction

during the last 30 days using their IDFC FIRST Bank Credit Card

Exclusions:

1. Any flight of an international or National Airline for an international inbound flight to Republic of India

2. Any loss or damage resulting from or arising out of or in connection with terrorism or terrorist activity

3. On duty Pilots, armed forces, police, air crew are not covered

Delay in Flight:

1. Compensation up to Sum Insured will be paid in event an international flight of an international

Airline in which the Insured is travelling arrives at the destination after 12 hours from the scheduled

arrival time. Proof of delay of flight must be provided by obtaining the Certificate(s) from the

concerned authorities.

2. Claim would be payable only if the ticket is purchased from the covered card. Cover is applicable

for Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction

during the last 30 days using their IDFC FIRST Bank Credit Card

Exclusions:

The Insurance Company shall not be liable to make any payment for any claim under this Benefit of the

Policy in respect of an Insured Person, directly or indirectly for, caused by, arising from or in any way

attributable to any of the following:

1. Delayed arrival of the Insured Person or Travelling Companion

2. Any delayed departure caused by a Strike or industrial action known to exist or capable of

being anticipated at the time the Trip was booked.

3. If the Common Carrier is taken out of service on the instruction of the Civil Aviation Authority,

or any other governmental authority

Fidelity for Corporate Cards:

1. Cover is valid only on credit card variant - corporate cards

2. Insured: Corporate entities to whom IDFC FIRST Bank has issued the corporate cards.

3. Cover: The Fidelity cover is extended to the Corporate entities holding the Corporate Credit Card

and will reimburse them in case there is any fraudulent/ unauthorized transaction done on the

Corporate card(s) by any employee(s) of the respective Corporate entities to whom the card is

issued, without the knowledge of the card holder.

General EXCLUSIONS for all Insurance Coverages:

• Any flight of an International or National Airline for an international inbound flight to Republic of India.

• No partial loss or damage shall be compensated.

• Valuables in the baggage will not be covered.

• Any loss or damage, resulting from or arising out of or in connection with terrorism or terrorist activity.

• On duty Pilots, armed forces, police, air crew are not covered.

• Any act of terrorism is not covered.

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• Death due to participation in dangerous sports activities, attempted suicide, self-injury, or under

influence of intoxicating liquor or drugs, or any kind of natural death will not get covered in the policy.

• Jewelry, perishable items are not covered.

• Earthquake, Terrorism is not covered.

• Mysterious disappearance is not covered.

• Gross Negligence is not covered

• Any claim due to deliberate breach of law would not be payable

• Any losses arising due to bank server hacking or data breaching of bank

• Fraudulent transactions done by person known to the cardholder

TERMS AND CONDITIONS

Claim intimation period:

1. Card Liability Covers (Covers for Lost Card Liability, Counterfeit/Skimming/Phishing/ Vishing and

Online Fraud Protection) : Cardholders should report the claim within 24 hours of the incidence

2. Personal Accident Cover: Cardholder/Nominee has to report the claim within 90 days from the date

of death/Permanent disability and documents should be submitted within 60 days from the date of

intimation to insurance company.

3. All other Insurance Covers Cardholders should report the claim within 30 days from the date of

incident. Claim documents are to be submitted by Card holder within 60 days from the date of

intimation.

Travel insurance and Air Accident Insurance will be applicable only if the ticket is purchased using

IDFC FIRST Bank Credit Card.

For All Insurance Coverages, there would be active condition applicable for the covered Card in the

policy. There should be atleast 1 transaction i.e Purchase/POS/ATM in last 30 days using the IDFC

FIRST Bank Credit Card.

Deductible on Travel Insurance: Flight Delay- 12 Hours

Delay of Checked-In Baggage- 12 Hours

Insurance Claim Process for Personal Accident/ Credit Shield/ Purchase Protection

For Personal Accident and Air Accident: In the event of loss of life of Cardholder due to the Acci-

dent, legal nominee must intimate the Bank and Marsh India.

Claim Reporting Timelines: Intimation to Bank/Marsh India should be made within 90 days from the

date of accident.

Claim documents are to be submitted within 60 days from the date of intimation to the Marsh India/

National Insurance Company

For Credit Shield, Purchase Protection and Other Travel Insurance Related Claims:

In the event of loss Cardholder must intimate the Bank and Marsh India.

Claim Reporting Timelines for Cardholder: Intimation to Bank/Marsh India should be made within 30

days from the date of Incident.

Claim documents are to be submitted by Card holder within 60 days from the date of intimation to Marsh

India/ National Insurance Company.

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Step 1: Cardholder will intimate the claim via email to Marsh India Insurance Brokers India Pvt. Ltd. at

given ids

To - Ezava, Sumetra <[email protected]>

Cc- Shirsat, Hiren <[email protected]>

The below details need to be included in the intimation mail.

1. Card Number

2. Name of the Cardholder

3. Claim amount

4. Date of Incident

5. Type of Claim

6. Date and time intimation to Bank

Step 2: Claim reference number will be shared to the Cardholder post registration of the claim.

Cardholder can use claim reference number for claim tracking purpose

Step 3: Once claim is notified/registered; Cardholder must share the documents for Claim settlement

to Marsh India Insurance Brokers/ National Insurance Company within above given timelines

Step 4: All claim documents should be couriered to below given Address:

Sumetra Ezava

Marsh India Insurance Brokers Pvt. Ltd.

1201-02, Tower 2B, One World Centre, Jupiter Mills Compound, Senapati Bapat Marg,

Prabhadevi, Mumbai - 400 013 .

Step 5: Scanned copy of original claim documents should be emailed to the below mentioned email

ids.

To - Ezava, Sumetra - [email protected]

Cc - Shirsat, Hiren - [email protected]

Step 6:

Claims will be processed within 30 working days after submission of all the documents

mentioned in the Below list.

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CLAIM DOCUMENTATION

FOR LOST CARD LIABILITY CLAIMS:

1. Claim form dully filled and signed by the claimant

2. Card copy

3. Latest account statement (for the month of loss)

4. Passport copy, if loss at international location, i.e. all pages covering departure from India

Immigration stamp to return back in India Immigration along with first and last page of passport.

5. Incident report by Bank

6. Copy of Dispute letter given by the Customer to Bank.

7. Police Intimation / FIR copy for claims above INR 1 lacs

FOR PERSONAL ACCIDENT CLAIM

1. Claim form dully filled and signed by the nominee- Original

2. Destroyed card copy (if not available, IDFC FIRST Bank declaration needs to be provided)

3. Copy of Death Certificate- Notarized/Attested by Gazette officer

4. Copy FIR Copy- Notarized/Attested by Gazette officer

5. Post-mortem Report or Viscera Report- Notarized/Attested by Gazette officer

6. Copy of Panchnama (Spot and/ or Inquest) -Notarised/ Attested by Gazeted officer

7. If claim amount> 1lakh, AML Documents - Notarised/ Attested by Gazetted Officer (Pan Card

Copy, Address Proof, 2 Passport color photos of claimant)

8. Indemnity cum declaration bond on a Rs.50 / 100 /- stamp paper (Legal heir certificate)- Original)

9. Consent letter from other legal heirs on a Rs.50 / 100 /- stamp paper (No objection certificate by

other legal heirs) – Original

10. NEFT mandate form duly filled in by the claimant and verified by bank with cancelled cheque of the

nominee-Original (for direct fund transfer)

FOR AIR ACCIDENTAL CLAIM

1. Claim form dully filled and signed by the nominee- Original

2. Destroyed card copy (if not available, IDFC FIRST Bank declaration needs to be provided)

3. Copy of Death Certificate- Notarized/Attested by Gazette officer

4. Copy FIR Copy- Notarized/Attested by Gazette officer

5. Post-mortem Report or Viscera Report- Notarized/Attested by Gazette officer

6. Copy of Panchnama (Spot and/ or Inquest) -Notarised/ Attested by Gazeted officer

7. If claim amount> 1lakh, AML Documents - Notarised/ Attested by Gazetted Officer (Pan Card

Copy, Address Proof, 2 Passport colour photos of claimant)

8. Indemnity cum declaration bond on a Rs.50 / 100 /- stamp paper (Legal heir certificate)- Original)

9. Consent letter from other legal heirs on a Rs.50 / 100 /- stamp paper (No objection certificate by

other legal heirs) – Original

10. NEFT mandate form duly filled in by the claimant and verified by bank with cancelled cheque of the

nominee-Original (for direct fund transfer)

11. Air Ticket & Account statement highlighting the transaction for Air ticket purchase.

12. Certificate from Airline authority, in case of Air accident

Movie

Offer

Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

FOR PURCHASE PROTECTION CLAIM

1. Original Claim form duly filled and signed

2. Credit Card Copy (if not available, IDFC FIRST Bank declaration needs to be provided)

3. Proof of purchase (Original Bills)

4. Copy of FIR

5. Bank statement highlighting the purchase was made through IDFC Credit Card

FOR CREDIT SHIELD CLAIM

1. Original Claim form duly filled and signed by Bank

2. Credit Card Copy (if not available, IDFC FIRST Bank declaration needs to be provided)

3. Copy of Death Certificate

4. Bank Statement highlighting Outstanding Amount.

FOR LOSS OF CHECKED IN BAGGAGE

1. Claim form duly filled in and signed by the claimant: Original

2. Card copy

3. Complete Passport copy, if loss at international location

4. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form

duly filled and verified by bank

5. Boarding pass and Journey tickets: Original

6. Property irregularity report (PIR) : Original

7. No compensation certificate from Airlines; Original Invoices for the expenses incurred for the

purchase of basic essential items in view of the loss: Original

FOR DELAY IN CHECKED IN BAGGAGE

1. Claim form duly filled in and signed by the claimant: Original Card copy

2. Complete Passport copy, if loss at international location

3. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form

duly filled and verified by bank Boarding pass and Journey tickets: Original

4. No compensation certificate from Airlines; Original Invoices for the expenses incurred for the

purchase of basic essential items in view of the loss: Original

5. Declaration from Airline for the duration of delay or missed flight/ baggage

FOR LOSS OF DOCUMENTS

1. Claim form duly filled in and signed by the claimant: Original

2. Card copy

3. Complete Passport copy, if loss at international location

4. FIR Copy: Notarised/ Attested by a Gazetted officer

5. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form

duly filled and verified by bank

6. Boarding pass and Journey tickets: Original

7. Local Embassy confirmation for loss of passport

Movie

Offer

Airport

Lounge

Railway

Lounge

Road Side

Assistance

Golf

Insurance

FOR DELAY IN FLIGHT

1. Claim form duly filled in and signed by the claimant: Original

2. Card copy

3. Complete Passport copy, if loss at international location

4. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form

duly filled and verified by bank

5. Boarding pass/Journey tickets: Original

6. No Compensation certificate from Airlines: Original

7. Declaration from Airline for the duration of delay in flight.

AGREED PANEL OF SURVEYORS

An Agreed Surveyor clause to form part of the policy which would imply in an event of a claim appointing any

one of the surveyors from the list below:

1. Adept Surveyors, Mr. Saurabh Agarwal

2. N Kothhari & Co

3. Sudhir Tandon

*The above documentation is tentative in nature. Insurer may choose at its discretion to request more

documents for settlement purposes.