IDFC : Autopay Offer

CREDIT CARD AUTOPAY NOV-26 TNC autopay-nov26 Terms & Conditions Offer: Get 5% cashback up to Rs 150 on successful AutoPay transactions every month for 3 months using your IDFC FIRST Bank Credit Card. Get Rs 100 cashback on completing AutoPay transactions for 3 months consecutively. Offer Duration: 1st Nov’26 to 31st Jan’27 Introduction: The offer is made solely and entirely by IDFC FIRST BANK Limited (“Bank”) to the Bank’s Credit Card holders (“Cardmember”), who have received communication related to this campaign, by the Bank through Email, SMS, Push Notification, App Banners, WhatsApp and/or any direct communication channel intended for the cardmember only. 2. The offer is applicable on the following IDFC FIRST Bank Credit Cards - Ashva, FIRST Classic, Diamond Reserve, FIRST Earn, FIRST Family, Hello Cashback, LIC Classic, LIC Select, Indigo, Mayura, FIRST Millennia, FIRST Power, FIRST Power Plus, FIRST Select, FIRST SWYP, FIRST Wealth, FIRST WOW!, FIRST WOW! Black, Quantum Plus. What is AutoPay ? AutoPay allows you to automatically pay recurring bills or subscriptions using your credit card on the scheduled due date/billing date. Once you set it up, the amount due for each service is charged directly to your credit card - without you having to log in or make manual payments every time. You can activate the service through:   • Your bank’s mobile app or website, or  • The service provider’s platform (e.g., your mobile operator, insurance company, or streaming service).  • After one-time setup and authorization, payments happen automatically on the due date/ billing date. Examples of Payments you can automate  • Utility bills (electricity, water, gas, etc.)  • Mobile or internet bills  • Insurance premiums (life, health, vehicle)  • Subscription services (OTT platforms, music apps, digital magazines, etc)  How to Set Up AutoPay? On IDFC FIRST Bank mobile app -   • Log in to IDFC FIRST Bank’s mobile app platform • navigate to Home →Payments • Go to Recharges & Bills • Select the type of bill or merchant (e.g., mobile postpaid, electricity etc.) • Add biller •Enable Autopay • If the above ‘Add Biller’ toggle is not enabled, option to enable AutoPay will be available on the transaction page. • If the above ‘Add Biller’ toggle is enabled, option to enable AutoPay will be available on the final status page after payment.  • Enter MPIN • Confirm the setup using MPIN • You will receive a setup confirmation message once your AutoPay is activated • On service provide platform - e.g. AutoPay set at Telecom service providers, OTT platforms, Insurance partners and other Utility Service providers like Electricity, Gas, Water, etc. Visit Merchant website to set an e-mandate on Credit card, Select IDFC FIRST Bank Credit Card as an option for payment and proceed.  View and manage your bills here: Detailed T&Cs: 1. A cardmember is eligible for cashback only if he / she has received communication regarding this offer directly from IDFC FIRST Bank through any of its direct channels mentioned below: a. Email b. SMS c. Push Notification d. App Banners e. WhatsApp f. Outcall from the Bank  2. Offer details will be shared on customer’s mobile no. and email ID registered with IDFC FIRST Bank.  3. To qualify, the customer must: a. Complete at least one successful AutoPay transaction each month during the offer period b. Each AutoPay transaction must be successfully charged and settled on the card. Failed or reversed transactions will not be considered. 4. Examples: a. Same AutoPay each month - You set up AutoPay for your OTT platform (₹499 per month) on your IDFC FIRST Bank Credit Card. If this transaction goes through successfully each month (Nov’26, Dec’26, and Jan’27), you qualify for 5% cashback upto Rs 150 every month (up to Rs 450 in total) & a bonus cashback of Rs 100. b. Different AutoPays each month -              i. In Nov’26, you pay your mobile bill through AutoPay. ii. In Dec’26, your insurance premium is paid automatically. iii. In Jan’27, your OTT subscription fee is charged automatically. Even though these are different transactions, you’ve done 1 successful AutoPay transaction per month, so you’ll still earn 5% cashback upto Rs 150 per month. 5. Minimum amount of AutoPay transaction should be ₹50. 6. Offer is valid on only 1 AutoPay per customer per month. 7. If any transaction is reversed by the cardholder/merchant or any disputed transaction of the cardholder, customer will not be eligible for the benefit. 8. All transactions completed within the offer period will be considered. The settlement for a few of these transactions may be delayed based on the merchant’s settlement cycle but all transactions authorized within the offer period shall be considered. 9. International transactions are excluded from this offer. 10. Cashback will be credited to the cardmember’s credit card account post 60 days of offer closure. 11. Cardmember will receive a maximum of Rs 550 cashback for this offer. 12. In case the customer is eligible for any other offer/campaign on the same transaction as eligible for the above offer, only one offer with the best monetary value for the customer shall be considered applicable. 13. During the offer fulfilment, if the customer’s credit card account is found to be in overdue status, the benefit will not be processed. 14. The offer is non-transferable, non-cashable and non-negotiable. 15. 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. 16. Spends done on below categories will not be considered for the eligible spends calculation for offer: Sr No Merchant Category MCC Code 1  Cash & Quasi Cash 6010, 6011, 6050, 6051, 7280 2 Wallet Load  6540