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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 `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
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
General EXCLUSIONS for all Insurance Coverages:
• Any flight of an International or National Airline for an international inbound flight to Republic of India.
• No partial loss or damage shall be compensated.
• Valuables in the baggage will not be covered.
• Any loss or damage, resulting from or arising out of or in connection with terrorism or terrorist activity.
• On duty Pilots, armed forces, police, air crew are not covered.
• Any act of terrorism is not 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 get covered in the policy.
• Jewelry, perishable items are not covered.
• Earthquake, Terrorism is not covered.
• Mysterious disappearance is not covered.
• Gross Negligence is not covered
• Any claim due to deliberate breach of law would not be payable
• Any losses arising due to bank server hacking or data breaching of bank
• Fraudulent transactions done by person known to the cardholder
TERMS AND CONDITIONS
Claim intimation period:
1. Card Liability Covers (Covers for Lost Card Liability, Counterfeit/Skimming/Phishing/ Vishing and
Online Fraud Protection) : Cardholders should report the claim within 24 hours of the incidence
2. Personal Accident Cover: Cardholder/Nominee has to report the claim within 90 days from the date
of death/Permanent disability and documents should be submitted within 60 days from the date of
intimation to insurance company.
3. All other Insurance Covers Cardholders should report the claim within 30 days from the date of
incident. Claim documents are to be submitted by Card holder within 60 days from the date of
intimation.
For All Insurance Coverages, there would be active condition applicable for the covered Card in the
policy. There should be atleast 1 transaction i.e Purchase/POS/ATM in last 30 days using the IDFC
FIRST Bank Credit Card.
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