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Movie
Offer
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Airport
Lounge
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Railway
Lounge
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Road Side
Assistance
Golf
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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
• 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