IDFC FIRST Select Credit Card

Privileges Airport Movie Offer Railway Road Side Insurance

Lounge Lounge Assistance
____________________________________________________________________________

Airport Lounges
This document outlines the terms and conditions for accessing airport lounges, movie offers, railway lounges,
roadside assistance and insurance using an FIRST Select Credit Card.

Offer Terms and Conditions

1. Privileges: Cardholders can enjoy up to 2 complimentary visits per quarter to select airport lounges in
India (Domestic 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 any calendar month shall be considered for access
in the next month.
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 Select Credit Card. To access participating airport lounges under
the program, cardholders must present their IDFC FIRST Select 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 Select Credit Card / DreamFolks card on the electronic terminals placed at the lounges. For credit
card authorization, a nominal charge of `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 Select 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
1 available to respond to queries, and removing individuals whose behavior is unsuitable. The lounge
Airport
Lounge reserves the right to refuse entry to customers for statutory, regulatory, or airport policy reasons, includ-
ing health and safety policies or fire regulations.
2 10. Capacity Constraints: Access to the lounge is available on a first-come-first-serve basis and is subject
Movie
Offer to capacity constraints at each participating lounge.

3 11. Lounge Operations and Access: IDFC FIRST Bank or DreamFolks assume no responsibility if a
Railway particular lounge operator shuts down the lounge(s) due to reasons beyond their control. IDFC FIRST
Lounge
Bank/DreamFolks cannot guarantee lounge access, and access is subject to the operational hours of the
4
Road Side
Assistance

5
Insurance
 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.
13. 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.
14. 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.
15. Alcoholic Beverages: Alcoholic beverages are not part of the offer at lounges situated at domestic
departure/terminals.
16. 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 cardholders.
17. 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.
18. 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.
19. Contact Information: For queries or assistance regarding lounge access, customers can contact IDFC
FIRST Bank at 1800 10 888 or email at creditcard@idfcfirstbank.com, and DreamFolks at 18001234109
or helpdesk@dreamfolks.in.
20. 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 Select Credit Card in India. Cardholders are
encouraged to stay updated on any modifications to the program's terms and conditions.

Movie Offer

Offer Details:
100% off up to ₹125 on 2nd ticket with FIRST Select Credit Card
1
Airport
Lounge
How to Avail Offer on Paytm Mobile App:

2 • Go through the regular ticketing flow for selecting the movie, cinema and show of your choice
Movie
Offer • To avail offer, click ‘View All’ offers. Select and click on ‘Apply’ offer on FIRST Select Credit Card or
enter Promocode IDFCCCFS1 (for booking of minimum 2 movie tickets)
3
Railway
Lounge • Enter your 16 Digit credit card number and click on ‘Apply Offer’

• Instant Discount shall be provided, you will have to pay the remaining transaction amount using the same
4
Road Side card on which you have availed the offer
Assistance

5
Insurance
 Offer Terms and Conditions
• Use Promo Code IDFCCCFS1 to book 2 movie tickets using an FIRST Select Credit Card and get a
100% instant discount for one ticket up to ₹125
• Offer is applicable on booking of a minimum of two movie tickets
• Offer will only be valid twice per user per card for every calendar month
• Maximum discount that can be earned by a user in a month for two tickets is ₹250 in the split of up to two
transactions
• This promo code is only applicable on Paytm App
• The promo code can be used to book movie tickets for any show-date
• The offer is valid on card with the following Bin values only: 54994700, 42810200, 42810210, 54994710
• Paytm & IDFC FIRST Bank reserve the right to disqualify any cardholder/s from the benefits of the program.
• Paytm & IDFC FIRST Bank reserve the absolute right to withdraw and/or alter any terms and conditions of
the offer at any time
• Cardholders shall not be entitled to compensation / benefits in any form whatsoever in lieu of the offer being
availed
• In case of any disputes, Paytm & IDFC FIRST Bank’s decision will be final
• Instant discount offer is applicable on the ticket price only. Paytm may charge additional fees/charges for
seat booking, refreshments/snacks, Convenience Fees, Code Processing Fee, Booking Charges, internet/
booking charges, or any other such charges. The instant discount offer shall not apply on such fees/charges
charged by Paytm.

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 card
holders 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.
1 4. Access and Authorization: Access to the lounge will be granted upon successful authorization of the credit
Airport
Lounge card on the DreamFolks electronic terminals placed at the lounges. A fee of ₹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
2 again after 24 hours from the last access.
Movie
Offer 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
3 services.
Railway
Lounge
6. Excess Lounge Access: Lounges are available on a chargeable basis in excess of the complimentary
visits.
4
Road Side
Assistance

5
Insurance
 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 card
holder 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. 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 possible
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 helpdesk@dreamfolks.in.
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.

Eligible List of Railway Lounges:

# Outlet Name Railway Station City Platform No.

1
Airport
1 IRCTC Executive Lounge Agra Cantt Railway Station Agra Platform 1
Lounge

2 IRCTC Executive Lounge Ahmedabad Kalupur Railway Station Ahmedabad Platform 1

2
Movie
Offer 3 IRCTC Executive Lounge Jaipur Railway Station Jaipur Platform 1

4 IRCTC Executive Lounge Kolkata (Sealdah) Railway Station Kolkata Platform 8

3
Railway
Lounge
5 IRCTC Executive Lounge Madurai Railway Junction Madurai Platform 1

4
Road Side
Assistance

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Insurance
 Road Side Assistance

Offer Details:

How to Avail:

Terms & Conditions:

Plan Features Details

1
Airport
Lounge

2
Movie
Offer

3
Railway
Lounge

4
Road Side
Assistance

5
Insurance
 1
Airport
Lounge

2
Movie
Offer

3
Railway
Lounge

4
Road Side
Assistance

5
Insurance
 General Exclusions:

1
Airport
Lounge

2
Movie
Offer

3
Railway
Lounge

4
Road Side
Assistance

5
Insurance
 Adverse weather conditions & Force Majeure:

1
Airport
Lounge Right of Refusal:

2
Movie
Offer

3
Railway
Lounge

4
Road Side
Assistance

5
Insurance
 Insurance Benefit
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.

Sum Insured -
Complimentary Coverages FIRST SELECT 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 `50,000
Cardholder should have done atleast 1 Purchase/ATM Withdrawal trans-
action during the last 30 days using their IDFC FIRST Bank Credit Card

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. `5,00,000
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
`50,000
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

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 `50,000
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

Travel Insurance covering Loss of Checked-In Baggage, Delay in Loss of Checked-In Baggage -
Flight, Delay of Checked-In Baggage, Loss of Passport and USD 100 (INR 7.5k)
1 documents. Claim would be payable only if the ticket is purchased
Airport Delay In Flight -USD 67 (INR 5k)
Lounge
from the covered card. Cover is applicable for Active card i.e Card-
holder should have done atleast 1 Purchase/ATM Withdrawal transac- Delay of Checked-In Baggage -
2 tion during the last 30 days using their IDFC FIRST Bank Credit Card USD 67 (INR 5k)
Movie
Offer
Loss of Passport and other
documents- USD 67 (INR 5k)
3
Railway
Lounge Personal Air Accident - Covers Air accidental death arising out of
Aircraft, schedule Airlines etc. Claim would be payable only if the ticket
4 is purchased from the covered card. Cover is applicable for Active
Road Side `10,000,000
Assistance card i.e Cardholder should have done atleast 1 Purchase/ATM With-
drawal transaction during the last 30 days using their IDFC FIRST
5 Bank Credit Card
Insurance
 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
1 • Any losses arising due to server hacking or data breach
Airport
Lounge
General Terms and Conditions
2 • Card holder should block/cancel the card as soon as practicable, but not more than 7 days from the
Movie
Offer date of notification of fraud transaction via SMS/Card statement/Email/Net Banking or by any other
means
3
Railway
Lounge

4
Road Side
Assistance

5
Insurance
 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
creditcard@idfcfirstbank.com 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
1 4. In the event of Insured having multiple cards, the Personal Accident claim would be payable on one
Airport card only, with maximum benefit (highest sum insured
Lounge
5. Claim would be payable only if the same is intimated to the Insurance company within 60 days from
2 the date of accidental death
Movie 6. Pilots, Armed Forces, Police, Air crew are not covered
Offer

3 Credit Shield:
Railway
Lounge
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.
4 2. Minimum 1 transaction in a month i.e Cardholder should have done atleast 1 Purchase/ATM
Road Side Withdrawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card
Assistance

5
Insurance
 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
Airport 1. Insured will be reimbursed for the expenses incurred for emergency purchase of basic essential
Lounge 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
2 been checked by an International Airline for an International flight.
Movie
Offer 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 3. No Compensation Certificate from international airlines would be required to be submitted at the
Railway
Lounge 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
4 for Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction
Road Side
Assistance
during the last 30 days using their IDFC FIRST Bank Credit Card

5
Insurance
 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
1 issued, without the knowledge of the card holder.
Airport
Lounge

General EXCLUSIONS for all Insurance Coverages:

2
Movie • Any flight of an International or National Airline for an international inbound flight to Republic of India.
Offer
• No partial loss or damage shall be compensated.
3
Railway • Valuables in the baggage will not be covered.
Lounge
• Any loss or damage, resulting from or arising out of or in connection with terrorism or terrorist activity.
4 • On duty Pilots, armed forces, police, air crew are not covered.
Road Side
Assistance
• Any act of terrorism is not covered.

5
Insurance
 • 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.
1 Claim Reporting Timelines: Intimation to Bank/Marsh India should be made within 90 days from the
Airport date of accident.
Lounge
Claim documents are to be submitted within 60 days from the date of intimation to the Marsh India/
National Insurance Company
2
Movie
Offer
For Credit Shield, Purchase Protection and Other Travel Insurance Related Claims:
3 In the event of loss Cardholder must intimate the Bank and Marsh India.
Railway
Lounge Claim Reporting Timelines for Cardholder: Intimation to Bank/Marsh India should be made within 30
days from the date of Incident.
4 Claim documents are to be submitted by Card holder within 60 days from the date of intimation to Marsh
Road Side
Assistance India/ National Insurance Company.

5
Insurance
 Step 1: Cardholder will intimate the claim via email to Marsh India Insurance Brokers India Pvt. Ltd. at
given ids
To - Ezava, Sumetra <Sumetra.Ezava@marsh.com>
Cc- Shirsat, Hiren <Hiren.Shirsat@marsh.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 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 - Sumetra.Ezava@marsh.com
Cc - Shirsat, Hiren - Hiren.Shirsat@marsh.com

Step 6: Claims will be processed within 30 working days after submission of all the documents
mentioned in the Below list.

1
Airport
Lounge

2
Movie
Offer

3
Railway
Lounge

4
Road Side
Assistance

5
Insurance
 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)
1
Airport 9. Consent letter from other legal heirs on a Rs.50 / 100 /- stamp paper (No objection certificate by
Lounge other legal heirs) – Original
10. NEFT mandate form duly filled in by the claimant and verified by bank with cancelled cheque of the
2 nominee-Original (for direct fund transfer)
Movie
Offer 11. Air Ticket & Account statement highlighting the transaction for Air ticket purchase.
12. Certificate from Airline authority, in case of Air accident
3
Railway
Lounge

4
Road Side
Assistance

5
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

1 2. Card copy
Airport 3. Complete Passport copy, if loss at international location
Lounge
4. FIR Copy: Notarised/ Attested by a Gazetted officer
2 5. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form
Movie duly filled and verified by bank
Offer
6. Boarding pass and Journey tickets: Original
3 7. Local Embassy confirmation for loss of passport
Railway
Lounge

4
Road Side
Assistance

5
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.

1
Airport
Lounge

2
Movie
Offer

3
Railway
Lounge

4
Road Side
Assistance

5
Insurance