IDFC FIRST Bank - Credit Cards

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Welcome Offers

FIRST Millennia Credit Card

F I R S T

Complimentary Lounge Access

Movie Offers

• 5% Cashback on value of first transaction converted to EMI done within 90 days of card setup

• `500 worth vouchers on `15k spends done within 90 days of card setup

• Railway Lounge Access - 4 per quarter

• 25% discount on movie tickets up to `100, once per month

Insurance & Protection

• Personal Accident Cover of `2 lakhs on doing at least one transaction in the previous month

• Cover of `25,000 each on Lost Card Liability, Credit Shield and Purchase Protection

* The income band mentioned is indicative

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Welcome Offers

FIRST Classic Credit Card

FIRST Classic

• 5% Cashback on value of first transaction converted to EMI done within 90 days of card setup

• `500 worth vouchers on `15k spends done within 90 days of card setup

Complimentary Lounge Access

• Railway Lounge Access - 4 per quarter

• 25% discount on movie tickets up to `100, once per month

Insurance & Protection

• Personal Accident Cover of `2 lakhs on doing at least one transaction in the previous month

• Cover of `25,000 each on Lost Card Liability, Credit Shield and Purchase Protection

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Complimentary Lounge access

FIRST Select Credit Card

FIRST

Insurance & Protection

• Complimentary Domestic Airport Lounge Access - 4 per quarter

• Domestic Airport Lounge Access - 4 per quarter

• Railway Lounge Access - 4 per quarter

• Buy One Get One movie ticket up to `250, twice per month

• Personal Accident Cover of `5 lakhs on doing at least one transaction in the previous month

• Lost Card Liability Cover of `50,000 and Travel Insurance on Passport, Baggage and Flight Delay

• Air Accident Cover of `1 Crore

Complimentary Lounge access

FIRST Wealth Credit Card

FIRST

Wealth

• Complimentary Lounge Access (Domestic + International) along with Spa Access - 4 per quarter

• Domestic & International Airport Lounge and Spa Access - 4 per quarter

• Railway Lounge Access - 4 per quarter

Golf

Movie Offers

Insurance & Protection

• Complimentary Golf round on every `20,000 spent in a statement cycle up to 2 rounds per cycle

• Buy One Get One movie ticket up to `500, twice per month

• Personal Accident Cover of `10 lakhs on doing at least one transaction in the previous month

• Lost Card Liability Cover of `50,000 and Travel Insurance on Passport, Baggage and Flight Delay

• Air Accident Cover of `1 Crore

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• 10X Rewards on incremental monthly spends > `20,000

• 6X Rewards on Online Spends 3RP/ `100 in this point itself

• 1 RP = `0.25

HDFC Millennia

• Joining fee `1,000

• Renewal fee `1,000

• 5% Cashback on spends with exclusive partners

• 2.5% Cashback on all online spends

• `500 worth vouchers, and 5% cashback on EMI*

Card Charges Rewards

SBI SimplyCLICK

StanC DigiSmart

• Joining fee - `499

• Joining fee `49 p.m

Monthly Interest Rate

Welcome Offers

• 10X Rewards on online spends with exclusive partners

• 5X Rewards on all other online spends

• 1 RP = `0.25

• Amazon.in Gift Card worth `500 on joining

• Renewal fee - `499 3.35% 3.49% NA

• Renewal fee `49 p.m

• Cashback of 15% for cab rides on Ola and Discounts on spends in food, apparel and travel

*Conditions applied **Values based on Assumptions Source: IPress Search - Publicly available information for competitive products, subject to change.

HDFC Freedom FIRST Classic

Card Charges

Rewards

Monthly Interest Rate

Welcome Offers

• 10X Rewards on incremental monthly spends > `20,000

• 6X Rewards on Online Spends 3RP/ `100 in this point itself

• 1 RP = `0.25

NIL 0.75% - 2.99% 3.49% NA

• Joining fee `199

• Renewal fee `500

• 10X Rewards on PayZapp & SmartBuy

• 5X Rewards on dining/ movies/ groceries/ railways/ taxis, 1RP/ `150 1RP= `0.15

• `500 worth vouchers, and 5% cashback on EMI*

*Conditions applied **Values based on Assumptions Source: IPress Search - Publicly available information for competitive products, subject to change.

Card Charges

ICICI Bank Coral SBI SimplySave

• Joining fee - `499

Rewards

Monthly Interest Rate

Welcome Offers

• Joining fee `500

• Renewal fee `500

• 10X Rewards on Dining, Movies, Departmental Stores and Grocery Spends, 1RP/ `100

• 1 RP = `0.25

•Spend `2,000 or more in first 60 days, get 2,000 Reward Points

• Renewal fee - `499 3.35% 3.40% NA

• 2X Rewards on all retails transactions except fuel, 1RP/ `100

• 1 RP = `0.25

*Conditions applied **Values based on Assumptions Source: IPress Search - Publicly available information for competitive products, subject to change.

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• 10X Rewards on incremental monthly spends > `20,000

• 6X Rewards on Online Spends 3RP/ `100

• 1 RP = `0.25

• Joining fee `2,500

• Renewal fee `2,500

• 4 Reward Points on all transactions per `150 spent

• 1RP= `0.5

• `2500 Reward Points

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Card Charges

Axis Select

ICICI Rubyx

• Joining fee - `3,000

• Joining fee `3,000

Rewards

Monthly Interest Rate

Welcome Offers

• 10 Reward points per `200

• 2X Rewards for spends of `200 on 'retail shopping'

• 1 RP = `0.20

• Renewal fee - `3,000 3.40% 3.40%

• Up to 3 Reward Points for domestic & 6 Reward

• Points for international spends per `100*

• 1 RP = `0.25

• `2,000 Amazon Voucher on first card transaction

• Welcome Vouchers on Shopping and Travel worth `5,000*

*Conditions applied **Values based on Assumptions Source: IPress Search - Publicly available information for competitive products, subject to change.

• Renewal fee `2,000 *T

FIRST Select

Card Charges

Rewards

HDFC Regalia

Monthly Interest Rate

Welcome Offers

• 10X Rewards on incremental monthly spends > `20,000

• 6X Rewards on Online Spends 3RP/ `100

• 1 RP = `0.25

NIL 0.75% - 2.99% 1.99%

• Joining fee `10,000

• Renewal fee `10,000

• 5 Rewards on all transactions per `150 spent, 2X on dining*

• 10X on travel and shopping on SmartBuy

• 1 RP= `1

• `500 worth vouchers, and 5% cashback on EMI*

• `10,000 Reward Points

*Conditions applied **Values based on Assumptions Source: IPress Search - Publicly available information for competitive products, subject to change.

Card Charges

Axis Select

ICICI Rubyx

• Joining fee - `10,000

Rewards

Monthly Interest Rate

Welcome Offers

• Joining fee `6,500

• Renewal fee `3,500

• 12 Reward points per `200 spent

• 2X Rewards for spends of `200 on 'travel merchants'

• 1 RP = `0.20

• Renewal fee - `10,000 3.40% 3.40%

• 2 Reward Points on all transactions per `100*, 2X on international spends

• 1 RP = `0.25

• 1 complimentary economy class domestic flight ticket (Up to `10k)

• Welcome Vouchers on Shopping and Travel worth `10,000*

*Conditions applied **Values based on Assumptions Source: IPress Search - Publicly available information for competitive products, subject to change.

Situations of objection

Possible Responses

Sir/Madam, we offer Lifetime Free Cards for all our Card variants with one of the lowest interest rates in the industry and an interest free cash withdrawal period of up to 48 days, which makes ours a Credit Card like no other

Sure, Sir/Madam. We will be able to assist you in identifying your available Credit Card limit

Sir/Madam, our rewards and privileges are very attractive. We offer complimentary lounges and movie tickets, and you earn 6X rewards on all online transactions and 10X rewards on incremental monthly spends more than `20,000. Your Reward Points do not expire

Sir/Madam, you can redeem your rewards in the rewards section of our mobile app; at select merchant stores; and against online payments- you will get this option during the OTP authentication stage of an online transaction

Yes, Sir/Madam. You can convert transactions made on your Credit Card at select partners into EMI. You can also avail this facility using the IDFC FIRST Bank mobile app, by calling customer care or through the interactive statement sent to your registered email id

Any specific reason? Since we offer you a lifetime free Credit Card. Also you can complete card creation process in less than 10 minutes without even stepping outside your house.

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“I already have too many cards”

“I don’t know my credit card limit currently”

“Rewards and privileges do not seem great”

“How can I redeem my rewards?”

“Is there an EMI on credit card facility available?”

‘I’m not interested"

• Foreign currency transactions (Mark Up)

• EMI Fees

• Railway booking –surcharge^

FIRST Millennia Credit Card, FIRST Classic Credit Card - 3.5%

FIRST Select Credit Card, Employee Credit Card - 1.99% FIRST Wealth Credit Card - 1.5%

1% of transaction value (minimum `99)

Fee will be levied if booked through any channel, unless done at the Point-of-Sale terminal or merchant website/app

1.80% of transaction value for internet transactions (Refer IRCTC website for detailed fee structure)

1% of transaction value

Surcharge Waiver upto - `200 per statement cycle on FIRST Millennia Credit Card,

FIRST Classic Credit Card (GST applicable)

• Fuel surcharge (1%)^

Surcharge Waiver upto - `300 per statement cycle on FIRST Select Credit Card, Employee Credit Card (GST applicable)

Surcharge Waiver upto `400 per statement cycle on FIRST Wealth Credit Card (GST applicable)

• Goods and Service Tax (GST)

At rates as notified by the Government of India, presently @ 18% is applicable on all fees, interest and other charges and is subject to change.