Enrol & Earn flat ₹500 cash back on cumulative UPI spends of ₹30,000 or more

Offer: Enrol & earn flat ₹500 cash back on cumulative UPI spends of ₹30,000 or more

Offer Period: 1st October to 31st October 2024

Enrolment Period: 28th September to 31st October 2024

Introduction

1. The offer is made solely and entirely by IDFC FIRST BANK Limited (“Bank”) to the Bank’s Credit Card holders (“Customers”), who have received communication related to this campaign, from the bank through channels mentioned below.

2. Customer should enrol to earn flat ₹500 cash back on cumulative UPI spends of ₹30,000 or more.

3. Only UPI transactions done between IST 12:00 AM (1st October ’24) to 11:59 PM (31st October ’24) will be considered eligible for this campaign excluding EMI transaction.

4. Offer is valid on the following cards only: FIRST Power, FIRST Power+, FIRST EA₹N and FIRST Digital.

5. For customers holding multiple IDFC FIRST Bank Credit cards, single enrolment is required & sufficient.

6. Multiple UPI transactions done during offer period are allowed and the cumulative spends of all eligible transactions will be considered.

7. Cash back will be credited to eligible customer after 45 days’ post offer closure.

Offer Details

1. Customers should enrol to earn flat ₹500 cash back on cumulative UPI spends of ₹30,000 or more by clicking on the link provided through the following channels or any direct communication channel intended for the customer only.

• Email

• SMS

• Push Notification

• App Banners

• WhatsApp

2. This is a personalized offer. A customer is eligible for cash back only if he / she has received communication regarding this offer directly from IDFC FIRST Bank through any of its direct channels mentioned above and have enrolled for the same through any of the methods mentioned above.

3. Enrolment or campaign details will be shared on customer’s mobile no. and email ID registered with IDFC FIRST Bank.

4. Customers enrolled between IST 12:00 AM (28th September ’24) to 11:59 PM (31st October ‘24) will be eligible for cash back.

5. Only UPI transactions done between IST 12:00 AM (1st October ’24) to 11:59 PM (31st October ’24) will be considered eligible for this campaign.

6. Even if the enrolment is done on a later date till 31st October ‘24, all UPI transactions done on between IST 12:00 AM (1st October ’24) to 11:59 PM (31st October ’24) will be considered.

7. Cashback will be credited to the Cardholder’s Credit Card account post 45 days of offer closure.

8. Multiple UPI transactions are allowed and the cumulative spends of all eligible transactions will be considered while calculating the eligible cashback.

9. If any customer holds multiple IDFC FIRST Bank Credit Cards from the eligible credit cards mentioned above, for e.g. FIRST Power Credit Card & FIRST Digital Credit Card, enrolment is only required once. Multiple enrolments are not required.

10. If any customer holds multiple IDFC FIRST Bank Credit Card, net spends done through any eligible IDFC FIRST Bank Credit Card(s) as mentioned above will be considered.

11. Customer will be eligible for a maximum on ₹500 cash back.

12. If cumulative eligible spends during the offer period is ₹29,999 or less, customer is not eligible for any cashback.

13. If cumulative eligible spends during the offer period is ₹30,000 or more, customer is eligible for flat ₹500 cashback.

14. If any customer holds multiple IDFC FIRST Bank Credit Cards from the eligible credit cards mentioned above, cash back will be credited on the credit card with the highest net spends. For e.g.,

• if customer spends ₹5,000 via FIRST Power Credit Card & spends ₹25,000 via FIRST Digital Credit Card, cash back will be credited on the FIRST Digital Credit Card.

• if customer spends ₹20,550 via FIRST Power+ Credit Card & spends ₹20,551 via FIRST EA₹N Credit Card, cash back will be credited on the FIRST EA₹N Credit Card.

15. UPI transactions done via IDFC FIRST Bank Add-On Credit Card of the eligible credit cards mentioned above shall be considered for the offer and the relevant cash back will be credited to the primary cardholder’s credit card account. No separate / duplicate posting will be given to the Add-On cardholder.

16. If any transaction during the offer period is reversed by the cardholder or merchant, that particular transaction will be excluded from the net eligible spends. Similarly, for any disputed transaction of the cardholder, that particular transaction will be excluded from the total eligible spends.

17. All transactions completed within the offer period will be considered. The settlement for a few of these transactions may be delayed basis the merchant’s settlement cycle but all transactions authorized within the offer period shall be considered.

18. Benefits of multiple offers/campaigns even if eligible and communicated shall not be applicable and only one eligible offer shall be considered eligible.

19. In case the customer is also eligible for any other offer/campaign on the same transaction, only one offer with the best monetary value for the customer shall be considered applicable.

20. During the offer fulfilment, if the customer’s credit card account is found to be in overdue or in over-limit status for the last three months, the cashback posting will not be processed.

21. The offer is non-transferable, non-cashable and non-negotiable.

22. The offer will be applicable on purchases made on qualified retail purchases for personal consumption only. The offer will not be valid for transactions which are deemed to be commercial or business in any nature. The bank reserves the right to disqualify such transactions while calculating final eligibility.

23. The Bank reserves the right to disqualify any transaction out of all spends if it appears to be non-personal expense or commercial transaction in nature. The bank may ask for proof of purchase in the form of invoice/ bill in case of dispute on the said transaction and bank would have the final right to qualify or disqualify any transaction.