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PERSONAL BANKING / TOP SPENDER FESTIVE CAMPAIGN T&C

Enrolment Dates: 3rd October to 15th October, 2023

Offer Date: 7th October-15th October, 2023

Offer Terms & Conditions

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 offer named - “Khushiyan FIRST– Credit Cards”, by the Bank through Email, SMS, Push NotiVcation, Banners, WhatsApp
and / or any direct communication channel intended for the customer only.

2. The offer is applicable on the following IDFC FIRST Bank Credit Cards - FIRST Classic, FIRST Millennia, FIRST Select, FIRST Wealth, IDFC FIRST Bank
Employee Credit Card FIRST Family, FIRST WOW!, FIRST Power, FIRST Power+ & Club Vistara IDFC FIRST Credit Cards.

3. This offer is not applicable on FIRST Corporate, FIRST Purchase, FIRST Business.

4. The offer is only applicable to customers who have enrolled to participate in Khushiyan FIRST campaign during the offer period. Customer can
enrol anytime between 3rd October to 15th October 2023. Customer should have enrolled through any of the modes shared by bank directly to the
intended recipients.

a. By clicking on the link provided in the Email, SMS, Push NotiVcation, App Banners, WhatsApp and / or any direct communication channel intended
for the customer only

b. By sending the SMS short code

c. By giving missed call on 02241499880

Offer Details

1. Top 250 spenders during offer period stand a chance to win Tanishq voucher worth Rs. 25,000

How to win? Be the highest spender between 7th October (12:00:00 AM) to 15th October’23(11:59:59 PM).

2. For this offer, each customer will be qualiVed only if they spend a minimum of Rs. 25,000 in the offer period. Customers holding multiple cards,
spends across all cards will be aggregated to calculate eligible spends under this offer

3. The offer will be applicable on purchases done on qualiVed retail purchases for personal consumption only. The offer will not be valid for
transactions which are commercial or business- related in any nature.

4. The eligible time frame will be between 7th October (12:00:00 AM) to 15th October’23 (11:59:59 PM)

5. Spends done on Fuel (MCC 5172, 5541, 5542, 5983), Cash (MCC 6010, 6011,7280), Rent Payments (MCC 6513) and Wallet Load (MCC 6540) and
Utility (MCC 4800-4999) will be excluded from Khushiyan FIRST- Top spenders calculation.

6. Each customer will be eligible to win the voucher only once in the offer period.

7. For this offer, multiple transactions are allowed and the cumulative spends of all eligible transactions using IDFC FIRST Credit Cards(s) will be
considered for deciding the winner.

8. The offer prizes will be provided in the form promised, Voucher, during the time of fulVlment, as per Bank’s discretion.

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

10. The Voucher will be credited/ posted to the Cardholder’s Credit Card account after 60 days’ post offer closure (voucher will be shared from 15th
December’23 onwards).

11. Transaction performed using IDFC FIRST Bank Add-On Credit Card shall be considered for the offer and the relevant promised product / Reward
Points / Cashback / Voucher will be credited to the primary cardholder’s credit card account however, no separate / duplicate posting will be given to
the Add-On cardholder.

12. Only the transactions done during offer start date till offer end date will be considered for the offer. Even if the enrolment is done at an earlier date,
all spends done within the offer period will be considered as eligible.

13. During the offer fulVlment, if the customer’s credit card account is found to be in overdue status for the last three months, the promised product /
Reward Points / Cashback / Gift Voucher posting will not be processed.

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

Other Generic Terms & Conditions

1. 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 the proof of purchase in the form of invoice/ bill in case of dispute on the said transaction and bank would have the Vnal
right to qualify or disqualify any transaction.

2. Any Customer eligible for the offer shall be deemed to have read, understood and accepted these terms and conditions, the offer terms and
conditions mentioned in the communication sent, as well as, general terms and conditions of the Bank, before availing the offer.

3. The Bank reserves the right to disqualify any Customer from the beneVts of the offer if any fraudulent activity is identiVed as being carried out for
the purpose of availing the beneVts under the offer (including any default in payments).

4. Bank reserves the right, at any time, without any prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all
or any of these terms and conditions or to replace, wholly or in part this offer by another offer whether similar to this offer or not or to extend or
withdraw this offer altogether.

5. The Bank holds out no warranty and makes no representation about the quality, delivery or otherwise of the goods and services offered by any
merchant with regards to this offer. Customer is expected to take any grievance, pertaining to quality, delivery or any other issue of purchased goods
and services, to the respective merchant and not to the Bank.

6. The decision of the Bank limited in all matters in connection with and incidental to this offer is Vnal and shall be binding on all persons.

7. Disputes, if any, arising out of or in connection with or as a result of above offer or otherwise relating hereto shall be subject to the exclusive
jurisdiction of the competent courts / tribunals in Mumbai.

8. All taxes, duties, levies or other statutory dues and charges payable in connection with the offer shall be borne solely by the Customer and the Bank
will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.

9. I hereby conVrm that I have also read and understood the contents of the offer details and agree to be levied various charges mentioned therein as
and when applicable to me. The T&C, offer and miscellaneous documents provided are in English language and, I have fully understood the same and
would request IDFC FIRST Bank to provide any further information in English language and I am aware they are available for reference on the IDFC
FIRST Bank website https://www.idfcOrstbank.com

10. I hereby declare that the details furnished in the application are true and correct to the best of my knowledge and belief and I undertake to inform
IDFC FIRST Bank of any changes therein, immediately. In case any of the information is found to be false or untrue or misleading or misrepresenting. I
am aware that I shall be held liable for it.

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