1) 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.
2) I hereby apply for IDFC FIRST Bank Credit Card(s) and accept that IDFC FIRST Bank is entitled in its absolute discretion to accept or reject this application without citing any reason. 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 return the supporting documents given by me along with the application.
3) I confirm that I have read, understood and agree to the MITC (Most Important Terms & Conditions, including Schedule Of Charges) as well as the Card Member Agreement, and I am aware they are available for reference on the IDFC FIRST Bank website https://www.idfcfirstbank.com
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 IDFC FIRST WOW! Credit Card
5) 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 IDFC FIRST WOW! Credit Card, in the event of my death.
7) I confirm that I have no insolvency proceedings pending against me nor have I ever insolvent.
8) The card member 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.
9) I authorize 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, authorized 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/e-mail 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.
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.
