IDFC FIRST Millennia Credit Card Privileges

Movie Offer

Offer Details:

Get 25% discount up to ₹100 on purchase of movie tickets on Paytm Mobile App.
The offer can be availed once a month.

How to Avail Offer on Paytm Mobile App:

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 Millenia
Credit Card or enter Promocode IDFCCCFM
3. Enter your 16 Digit credit card number and click on ‘Apply Offer’
4. Instant Discount shall be provided, you will have 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 name on the card, expiry date and CVV
Offer Terms and Conditions:
1. Use Promo code IDFCCCFM to book movie tickets using an IDFC FIRST Millennia Credit Card
and get a 25% Instant Discount up to ₹100
2. Offer is available on first-come-first-serve basis
3. Offer is applicable on booking of a minimum of one movie ticket
4. Offer will only be valid once per user per card for every calendar month
5. On booking of Movie Tickets, the user will get 25% the Price of movie tickets or ₹100
(whichever is lesser) as an Instant discount
6. The Promo code can be used to book movie tickets for any show-date
7. The offer is valid on cards with the following BIN values only: 401561, 515349, 439992
8. Paytm & IDFC FIRST Bank reserve the right to disqualify any cardholder/s from
the benefits of the program
9. Paytm & IDFC FIRST Bank reserve absolute right to withdraw and/or alter any terms
and conditions of the offer at any time
10. Cardholders shall not be entitled to compensation / benefits in any form
whatsoever in lieu of the offer being availed
11. In case of any disputes, Paytm & IDFC FIRST Bank’s decision will be final
Railway Lounge

Offer Details:
Enjoy 4 complimentary railway lounge access in a calendar quarter to participating lounges in India on
your IDFC FIRST Millennia Credit Card.

How to Avail:
1. Cardholder must present its valid, unexpired eligible card and Valid train travel ticket at the
entrance to the participating lounges to avail the benefit
2. The card shall be swiped on the Pine Labs POS terminal, ₹2 will be charged from
the Cardholder’s account to validate the card for complimentary lounge access

List of Lounges:

Lounge City Address

Executive Delhi Platform No. 16, New Station Building, Ajmeri Gate side, New
lounge Delhi Railway Station, New Delhi 110006
Executive Jaipur Platform No. 1, Near 1st Class Waiting Room at Jaipur Jn Railway
lounge Station, Rajasthan 303702
Executive Agra Platform No. 1 at Agra Cantt, Near 2nd Class Waiting Room,
lounge Agra, Uttar Pradesh 282001
Executive Ahmedabad Platform No. 1, Ahmedabad Railway Station, Gujarat 380002
lounge
Executive 1 st Floor, Near Enquiry office, Sealdah Railway Station,
lounge Kolkata 700014
Offer Terms and Conditions:
1. The program is applicable at select Railway Lounges in India, via Pine Labs to cardholders
holding an active IDFC FIRST Bank Credit Card. As a standard process, all usage of the
Participating Railway Lounges under the Program is conditional upon presentation of IDFC
FIRST Bank Credit Card and a valid Train ticket, at the entrance of the Participating Lounges.
2. Access at the lounge would be given upon successful authorization of the Credit Card on the
Pine Labs electronic terminals placed at the lounges. ₹2 will be charged on the card to check
the validity of the card.
3. The complimentary access to railway lounge will include the below facilities:
• Two Hours of lounge stay
• A/C comfortable sitting arrangements
• 1 Buffet meal - Breakfast, Lunch or Dinner as per the time of visit. Only one Buffet meal as
per the time of visit will be provisioned to Eligible card holders.
• Unlimited tea & coffee
• Free Wi-Fi
• Newspaper and Magazine
Any additional service such as recliners or more shall be chargeable separate as per the
operator price for that service.
4. IDFC FIRST Bank or Pine Labs assumes no responsibility of the merchantability of the services
as it is an endeavour only to deliver the best possible.
5. IDFC FIRST Bank or Pine Labs assumes no responsibility in case a particular lounge operator
shuts down the lounge(s) for any reason beyond the purview or control of IDFC FIRST Bank or
Pine Labs.
6. The access to the lounge will be available on first-come-first-serve basis.
7. The program can be modified, amended, changed, or revoked anytime by IDFC FIRST Bank
without prior intimation.
8. Post 2 hours, the lounge reserves the right to ask for respective charges from the Cardholder.
9. In case the Cardholder has already used his permissible limits or if Cardholder is not eligible for
complimentary visit, Cardholder will be liable to pay all applicable charges to the lounge.
10. The complimentary access to railway lounge is only permissible to the Cardholder, if the
Cardholder is accompanied by guest, guest will be liable to pay applicable charges to the
lounge.
11. Children below 3 years can enjoy the complimentary lounge access. However, any services or
food and beverages consumed, the lounge operator reserves the right to ask for respective
charges from the Cardholder.
Road Side Assistance

Offer Details:
Complimentary Road Side Assistance (RSA) all over India, up to 4 times in a year
worth ₹1399 on your IDFC FIRST Millennia Credit Card through Global Assure.

How to Avail:
1. IDFC FIRST Bank card holder should call Toll-free Number 1860 258 2000 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.

Terms & Conditions:

Plan Features Details

Towing of Vehicle on In the event Covered Vehicle suffers an immobilizing break
breakdown/accident 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 available.
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 and 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 repair 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.
Breakdown support 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.
Taxi Benefit 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

Arrangement of spare keys 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 authorizations 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.
Arrangement of fuel 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.
Extraction or Removal of vehicle 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)
Message relay to Global Assure will take charge of relaying urgent messages
relatives/colleagues/emergency relating to the breakdown to the authorized workshop
numbers and/or service contacts. When requested, Global Assure
will relay urgent messages on behalf of the Customers to a
designated person of their choice.
Ambulance Referral 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
Penalty Clause
In case Global Assure is not able to service as per the
agreement then Global Assure will reimburse customer
cost of service or ₹1,000/- whichever is less.
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.
15. In event of any damage during towing, the maximum liability of GLOBAL ASSURE is of ₹5000
per incidence.
 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.
Insurance

Complimentary Insurance Coverages – Below insurance coverages are available to IDFC FIRST Bank
Cardholders through their Insurance partner United India Insurance Company Limited. The empaneled broker
for the policy who shall also assist the cardholders/legal nominees with the Insurance claims is Howden
Insurance Brokers India Pvt Ltd.

Sum Insured - Sum Insured - Sum Insured -

FIRST MILLENNIA FIRST SELECT FIRST WEALTH
Complimentary Coverages
Credit Card & FIRST Credit Card & Employee Credit Card & FIRST
CLASSIC Credit Card Credit Card Private Credit Card

Card Liability Cover - Covers for Lost Card

Liability, Counterfeit/Skimming/Phishing and
Online Fraud Protection for transactions on
Cardholder's IDFC FIRST Bank Credit Card.
Cover is applicable for Active card i.e INR 25,000 INR 50,000 INR 50,000
Cardholder should have done atleast 1
Purchase/ATM Withdrawal transaction
during the last 30 days using their IDFC
FIRST Bank Credit Card

Personal Accident- Covers accidental death

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
INR 200,000 INR 500,000 INR 10,00,000
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

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
INR 25,000 INR 50,000 INR 50,000
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

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 INR 25,000 INR 50,000 INR 50,000
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
Travel Insurance covering Loss of Loss of Checked-In Loss of Checked-In
Checked-In Baggage, Delay in Flight, Delay Baggage -USD 100 Baggage -
of Checked-In Baggage, Loss of Passport (INR 7.5k) USD 500
and documents. Claim would be payable
only if the ticket is purchased from the Delay In Flight -USD Delay In Flight -
Not Available 67 (INR 5k) USD 300
covered card. Cover is applicable for Active
card i.e Cardholder should have done atleast Delay of Checked-In
1 Purchase/ATM Withdrawal transaction Delay of Checked-In
Baggage- USD 67 Baggage - USD 100
during the last 30 days using their IDFC (INR 5k)
FIRST Bank Credit Card
Loss of Passport and Loss of Passport and
other documents- other documents-
USD 67 (INR 5k) USD 300
 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
Not Available INR 1,00,00,000 INR 1,00,00,000
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

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.

Counterfeit/Skimming
• Losses arising out of unauthorized transactions on Counterfeited/skimmed card on ATM/POS
anywhere in the world.
• 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

• Fraudulent loss or damage arising due to Information obtained by Unauthorized Access to sensitive
information such as passwords and credit 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) issued to the Cardholder by the Bank.

GENERAL EXCLUSIONS:
• Fraudulent transactions done by person known to the cardholder.
• All Losses arising from breach of 2nd level authorizations Exclusion
(Cards details, Password, OTP or PIN with fraudster)
• Vishing - Any fraudulent loss or damage arising due to information obtained by unauthorized access
to sensitive information by masquerading as a trustworthy entity in a voice communication.
• 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

Claim Process
• Block / Hotlist the card by calling IDFC FIRST Bank helpline no. 1860 258 2000 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.
• The cardholders can call IDFC FIRST Bank helpline no. 1860 258 2000 or
write at creditcard@idfcfirstbank.com to report the fraudulent transactions.
• The Bank/Insurance Company shall investigate the unauthorized transactions and inform the
cardholder about the claim process and required documentation.
• The findings of the Bank's investigation will be final and binding on the customer.

Personal Accident/Air Accident/ Credit Shield/ Purchase Protection/Travel Insurance Cover

Personal Accident-Covers accidental death 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.

Personal Air Accident-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.

Credit Shield-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.

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 Bank credit cards only. Cover for residential address of the card holder in India
as per the records of the Bank.

Travel Insurance Loss of checked in Baggage- 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.

Delay of Checked in Baggage-Insured will be reimbursed for the expenses incurred for emergency purchase
of basic essential items 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.

Loss of Passport and travel related documents-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.

Delay in Flight -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.
Loss of Passport and travel related documents-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.

Delay in Flight -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.

EXCLUSIONS:
• 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.
• 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.

TERMS AND CONDITIONS

Claim intimation period- Cardholders should report the claim within 30 days from the date of incident.
This is applicable for Travel Insurance only. For Personal Accident Claims, Cardholder/Bank has to report
the claim within 90 days from the date of death and documents should be submitted within 60 days from
the date of intimation to insurance company.

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/Air Accident/ Credit Shield/ Purchase
Protection/Travel Insurance

For Personal Accident and Air Accident: In the event of loss of life of Cardholder due to the Accident,
legal nominee must intimate the Bank and Howden.

Claim Reporting Timelines: Intimation to Howden should be made within 90 days from the date of accident.

Claim documents are to be submitted within 90 days from the date of intimation to the Howden/United India
Insurance Company Limited.
For Credit Shield, Purchase Protection and Other Travel Insurance Related Claims: - In the event of
loss Cardholder must intimate the Bank and Howden.

Claim Reporting Timelines for Cardholder: Intimation to Howden 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
Howden/United India Insurance Company Limited.

Step 1: Cardholder will intimate the claim via email to Howden Insurance Brokers India Pvt. Ltd. at given ids
To - alpesh.bhavsar@howdenindia.com
Cc- sudeep.sudevan@howdenindia.com
jinesh.shah@howdenindia.com
anish.pillai@howdenindia.com

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
Howden Insurance Brokers within above given timelines

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

Alpesh Bhavsar
Howden Insurance Brokers India Pvt Ltd
6th floor, Peninsula Chambers, Peninsula Corporate Park,
Lower Parel, Mumbai – 400013
D: +91 022 66558888 M: +91 9096114755

Step 5: Scanned copy of original claim documents should be emailed to the below mentioned email ids.
To - alpesh.bhavsar@howdenindia.com
Cc- sudeep.sudevan@howdenindia.com
jinesh.shah@howdenindia.com
anish.pillai@howdenindia.com

Step 6: Claims will be processed within 30 working days after submission of all the documents
mentioned in the Below list.
CLAIM DOCUMENTATION
FOR PERSONAL ACCIDENT CLAIM
1. Claim form dully filled and signed by the nominee- Original
2. Destroyed card copy (if not available, IDFC 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 `50 / 100 /- stamp paper (Legal heir certificate)- Original)
9. Consent letter from other legal heirs on a `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 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 `50 / 100 /- stamp paper (Legal heir certificate)- Original
9. Consent letter from other legal heirs on a `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

FOR PURCHASE PROTECTION CLAIM

1. Original Claim form duly filled and signed
2. Credit Card Copy (if not available, IDFC 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

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.

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