1. I hereby apply for IndiGo IDFC FIRST Dual Credit Cards(s) and accept that IDFC FIRST Bank is entitled in its absolute discretion to accept or reject this application. I hereby give my consent to the Bank to provide me a different card, in case I am not eligible for the product applied for. I am aware that the Bank reserves the right not to return the supporting documents given by me along with the application.
2. I confirm that I have read, understood, and agree to the MITC (Most Important Terms & Conditions, including Schedule of Charges),Key Fact Statements as well as the Cardmember Agreement, and I am aware they are available for reference on the IDFC FIRST Bank Website.
3. The finance (interest) rates applicable to a Cardholder depend on internal policy parameters of the Bank. These are final and binding, and subject to change at Bank’s discretion.
4. I confirm that the IDFC FIRST Bank’s prevailing fixed deposit rate of interest at the time of booking/auto-renewal shall be applicable on the linked fixed deposit of IndiGo IDFC FIRST Dual Credit Cards.
5. I hereby give my consent to IDFC FIRST Bank Limited for Fixed deposit(s) linked to IndiGo IDFC FIRST Dual Credit Cards to be auto-renewed on maturity for a like term at the then applicable Fixed deposit interest rates.
6. I hereby nominate the same person who is nominee for my Savings Bank Account, and I hereby nominate same person mentioned herein as my nominee/nominee(s) to receive all the amounts of the said linked fixed deposit of IndiGo IDFC FIRST Dual Credit Cards, in the event of my death.
7. I consent to avail the complementary insurance covers as per approved card variant. Click here for details.
8. I hereby undertake to abide by the Terms and Conditions communicated on /terms-and-conditions for fixed deposit(s) linked to IndiGo IDFC FIRST Dual Credit Cards.
9. I confirm that I have no insolvency proceedings pending against me nor have I ever been adjudicated insolvent.
10. I authorise IDFC FIRST Bank and/or its associates to verify any information or otherwise at my office/residence or to contact me/ credit bureau/RBI or any other source to obtain or provide any information that may be required for confirming credit card application or maintaining my account in good credit standing.
11. I hereby give my consent to IDFC FIRST Bank Limited for obtaining/authenticating/verifying my KYC details from CERSAI CKYC portal/ Aadhaar eKYC/ National Securities Depository Limited (NSDL)/ Any other service provider/ organisation as deemed fit by IDFC FIRST Bank Limited and permitted by Reserve Bank of India. I understand that as per directions of Government of India my KYC information will be updated by the bank in Central KYC Registry.
12. I understand that International Credit Cards issued to NRI Card members cannot be used on internet or otherwise for purchase of prohibited items, like lottery tickets, banned or proscribed magazines, participation in sweepstakes, payment for call-back services, carrying out agricultural/plantation/real estate business, trade in transferable development rights and / or such items / activities for which no drawal of foreign exchange is permitted.
13. I authorize IDFC FIRST Bank for creating a virtual payment address (vpa) linked to IndiGo IDFC FIRST Dual Credit Cards on IDFC FIRST Bank mobile application.
14. I understand that Credit Cards cannot be used as a medium of payment towards foreign investment. This shall be applicable even if the credit card is utilized as medium for payment in association with other person.
15. The cardmember undertakes and declares that if at any time it is discovered that there are any amounts due to the Bank against any credit facility, then the Bank shall have the absolute right to hold the No Objection Certificate (NOC) against any/all such facilities, without any prior notice.
16. I authorise IDFC FIRST Bank to disclose, from time to time, relevant information relating to my personal details (name, phone number, e-mail ID, address, age, date of birth and other such information), Credit Card(s) details (including any default in payments) to credit bureaus, regulator/s, government and investigation authorities, authorised financial institutions, any parent/subsidiary, Tax authorities, affiliate and associate of IDFC FIRST Bank, and to third parties engaged by IDFC FIRST Bank, for purposes such as marketing of services, fulfillment of card offers/benefits, proper operation of Credit Card accounts and other administrative services. I hereby consent and authorize IDFC FIRST Bank and/or its affiliates and associates and/or third parties engaged by IDFC FIRST Bank to send me information through WhatsApp/SMS/email alerts/post/any other way deemed fit by the Bank or/call me on my registered mobile number for the purposes of operation of the card, send Welcome Kit/monthly statements/marketing information and offers on the card and offering of various products and services of IDFC FIRST Bank through agent(s) and/or any third party(ies) or any of the product(s) of its group companies, subsidiaries, affiliates, co-brand partners.
17. 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.
18. Interest will be earned from the date of FD booking in the system.
19. I hereby understand & acknowledge that by engaging in the video KYC with the bank representative, I agree to allow IDFC FIRST Bank to capture my personal details (including location) & any other device information, furthermore, permitting usage of all details & recorded information for internal verification, training, and quality monitoring to enhance my account opening journey. (If Applicable)
20. By creating and/or linking a Fixed Deposit (FD) to your FD Backed Secured credit card, you hereby provide consent for card activation, which will be reported to the credit bureau in accordance with regulatory requirements.
21. I understand that I shall receive two physical credit cards (Mastercard & RuPay) in the welcome kit. The offered credit limit applies to both the IndiGo IDFC FIRST cards.
22. IndiGo BluChip Program and related benefits are fully managed by IndiGo.

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