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The agreement explains that cardmembers are deemed to have unconditionally agreed upon card receipt or by signing or using the card, and states what happens if the terms are not accepted. 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Please read this Agreement which is being sent to you, pursuant to the approval of your application, for an IDFC FIRST Bank Credit Card. You have agreed in your Application Form, that the use of the IDFC FIRST Bank Credit Card shall be governed by these Terms and Conditions, and as amended by the Bank from time to time. You have further agreed that Most Important Terms and Conditions and Declaration shall be read as part and parcel of this Agreement. The Cardmember shall be deemed to have unconditionally agreed to the Cardmember Agreement by acknowledging receipt of the Card or by signing on the reverse of the Card or by transacting on the Card. In such an event, this Agreement shall be deemed to have come into effect and shall be binding on the Cardmember and/ or Add-on Cardmember(s) . If the Terms and Conditions are not acceptable to you, please inform us in writing, and destroy the IDFC FIRST Bank Credit Card by cutting it into several pieces across the magnetic stripe, EMV Chip and hologram, and return the same to us within 10 calendar days of receipt of the Credit Card.  \n1. Definitions  \n1.1 ‘Add-on Card’ means an additional Card issued to a person nominated by the Primary Cardmember.  \n1.2 ‘Add-on Cardmember’ means a person to whom the Add-on Card is issued and the liability for payment of dues thereunder is of the Primary Cardmember.  \n1.3. ‘Applicant’ shall mean person(s) who has/ have applied for a Credit Card with IDFC FIRST Bank.  \n1.4 ‘Application’ shall mean an application for a credit/ charge Card by the applicant or Cardmember to IDFC FIRST Bank through various modes of applying, including but not limited to, duly signed and filled physical Card application form, tele-application (over a recorded phone line) and electronic medium (Internet/ email) .  \n1.5 ‘Authorised Dealer’ refers to a person or offshore banking unit authorised to deal in foreign exchange or foreign securities as defined in Foreign Exchange Management Act, 1999 (‘FEMA’) .  \n1.6 ‘Authorised Signatory’ shall mean individual(s) vested with signing powers on behalf of the company.  \n1.7 ‘Balance Transfer’ is a facility that allows Cardmember to transfer the outstanding balance of other bank credit card(s) to their IDFC FIRST Bank Credit Card.  \n1.8 ‘Bank’ or ‘IDFC FIRST Bank’ shall mean IDFC FIRST Bank Limited, a company registered under the Companies Act, 2013 and a Banking Company within the meaning of the Banking Regulation Act, 1949 having its Registered Office at KRM Tower, 8th Floor, No: 1, Harrington Road, Chetpet, Chennai – 600031.  \n1.9 ‘Billing Cycle’ is the period between the generation of two successive billing statements.  \n1.10 ‘Branch’ is a retail location where the bank offers a wide array of face-to-face and automated services to its customers.  \n1.11 ‘Brick-and-mortar’ refers to a traditional street-side business that offers products and services to its customers face-to-face in an office or store.  \n1.12 ‘Card Account/ Credit Card Account’ means any eligible account(s) opened and maintained by the bank for operations through the use of the Card, simultaneously with issuance of the Card.  \n1.13 ‘Card’ or ‘Credit Card’ or ‘IDFC FIRST Credit Card’ or ‘International Card’ shall mean a MasterCard/ Visa Card or any other card, issued by IDFC FIRST Bank to Cardmember on his/ her request.  \n1.14 ‘Cardmember’ shall mean and include the applicant and/ or authorized Cardmember and/ or Additional Cardmember.  \n1.15 ‘Cash Limit’ means the amount of cash or cash equivalent that the Cardmember may be allowed to utilise for a non-purchase transaction.  \n1.16 ‘Charges’ shall mean transactions made or charged to the Card Account under this Agreement, whether or not the Cardmember signs a record of charge forms. This would include, but not be limited to purchase of goods, services or cash advance","cbCaigREaz6n8zSu","https://ap.wps.com/l/cbCaigREaz6n8zSu","pdf",375295,49,"English","# Definitions\n## Card and cardmember parties\n## Application and authorization\n## Accounts, billing and limits\n## Transactions, charges and fees\n## Payment methods and security","[{\"question\":\"How does the agreement become effective for the cardmember?\",\"answer\":\"It is deemed to come into effect when the cardmember acknowledges receipt of the card, signs on the reverse, or transacts using the card. The agreement then becomes binding on the cardmember and any add-on cardmember(s).\"},{\"question\":\"What is the cardmember required to do if the terms and conditions are not acceptable?\",\"answer\":\"Inform the bank in writing and destroy the IDFC FIRST Bank credit card by cutting it into several pieces across the magnetic stripe, EMV chip and hologram. Return the destroyed card within 10 calendar days of receipt.\"},{\"question\":\"What does “Balance Transfer” mean in the agreement?\",\"answer\":\"Balance Transfer is a facility that allows the cardmember to transfer the outstanding balance of other bank credit cards to their IDFC FIRST Bank credit card.\"}]","IDFC FIRST Bank - Cardmember Agreement | PDF",1790270014]