With your FIRST Private Debit Card, you can set limits for daily ATM withdrawals and daily purchases.  The maximum limit that you can set is Rs 10,00,000 for daily ATM Withdrawal and Rs 15,00,000 for daily purchases on your FIRST Private Debit Card.

You can set limits on your FIRST Private Debit Card by logging in to net banking or mobile application.

We have made a quick guide for your reference. You can download it from here

Yes! FIRST Private Debit Card comes with special limits for minors. Limits issued to Minor savings' account are:

Maximum daily cash withdrawal limit at ATM -  Rs 25,000

Maximum daily purchase limit -  Rs 25,000

By default, only domestic limits will be enabled for Private Debit Cards issued to minors. Customers can set their own limits within the overall limits by logging on to Net banking or through Mobile application.

Minors above 10 years of age can set their limits by logging on to their Net banking or Mobile Banking account.

For minors below 10 years of age, please reach out to your respective branch to get the changes done.

For any international eCom or POS transaction done using FIRST Private Debit card, there will be a 2% markup charge applied.

All LRS international transactions including withdrawals through ATM, POS or e-commerce transactions done on Foreign Merchants or sites which offer Dynamic Currency Conversion (DCC) transactions would be subjected to Tax collected at source at applicable rate defined by government of India. You can find the details here

Upon presentation of FIRST Private Debit Card and boarding pass, cardholders can enjoy the following privileges:

• • Maximum of 4+4 complimentary access for FIRST Private cardholders every calendar quarter at domestic airports*
• • Maximum of 6 complimentary access for FIRST Private cardholders every calendar quarter at international airports*

Please note: Your card will be charged a refundable (within 24 hrs) amount of Rs. 2 for each entry at a domestic airport lounge.
At international lounges, your card will be charged an amount of 35 USD which will be reverted in your account within 10 days.

Paid access: In addition to the complimentary access -cardholders are also entitled to unrestricted (chargeable) access for himself/herself and for his/her accompanying guests.

You can unwind at the airport lounge and indulge in F&B privileges that include

• • Choice of hot and cold snacks from buffet
• • Tea / coffee
• • Unlimited non-alcoholic drinks

Please note that additional charge may occur for meal/food/drink items not mentioned in the F&B privileges above as well as for services like Nap, Massage Services, and Spa.

There’s always more! Take a moment to relax in luxury and enjoy more privileges that include –

• • Luxurious seating area
• • Washrooms
• • LCD TV
• • Newspaper / magazines
• • Free Wi-Fi available at Private locations. (Cardholder needs to check at the reception desk)
• • Fax, Shower, Internet, and Wi-Fi charges (where applicable) are at the discretion of each lounge operator and the cardholder is responsible for paying these direct to the lounge staff. 

Participating Airport Lounges may reserve the right to enforce a maximum stay policy (usually 2 or 3 hours) to prevent overcrowding. This is at the discretion of the individual lounge operator who may impose a charge for extended hours.

We are affiliated with 500+ domestic and international airports. You can find here the list of domestic airports and international airports

Domestic:

• Ensure that the lounge is part of the complimentary lounge list

• Make sure your debit card is active and domestic offline flags and limits are enabled

• A refundable amount of INR 2 would be debited from account for validation. Please keep the minimum balance so that the transaction is not declined

International:

• Ensure that the lounge is part of the complimentary lounge list

• Make sure your debit card is active and International eCommerce flags and limits are enabled

• An amount of USD 35 would be debited from account for validation. Please keep the minimum balance so that the transaction is not declined. The same amount would be reversed within 10 working days

Please click here for terms and conditions for domestic lounge access and here for terms and conditions of international lounge access.

The various types of insurance and protection covers that come with FIRST Private Debit Card are:

• • Personal Accident Insurance cover of Rs. 1,50,00,000
• • Air Accident Insurance cover of Rs. 5,00,00,000
• • Purchase Protection cover of Rs. 2,00,000
• • Lost Card Liability cover of Rs. 15,00,000
• • Fraudulent Cover (i. Theft Of Funds (Unauthorized Digital Transactions), ii. Identity Theft) of Rs. 5,00,000
• • Trip cancellation Cover of Rs. 1,00,000
• • Travel Insurance Cover of $10,000

With FIRST Private Debit Card you have no liability for unauthorized transactions on Debit Cards on receipt of notification from the card holder.

All savings accounts and corporate salary accounts with FIRST Private Debit Card need to meet the following criteria to be eligible for the insurance cover:

• • Minimum 1 POS* transaction in each month, for previous 3 calendar months, immediately preceding the month of incident & value of each such transaction to be >= Rs. 500 in each of the 3 months.
  Example: If the actual loss (Death / Permanent Total Disability of cardholder) is in the month of April, then there should be at least 1 POS transaction in each of the previous months of Jan, Feb & Mar and the value of each POS transaction in each of the 3 months has to be >/= Rs. 500.
• • Additional to this, for Air Insurance the Flight ticket booked should be purchased by debiting Card holders Metra Trust account.

Get free Air Accident Insurance cover with the FIRST Private Debit Card. To redeem the Air Accident Insurance cover on debit card, customers need to meet the above mentioned eligibility.

Also note that the following terms & conditions will be applicable:

• • In case customer holds multiple debit cards, claim will be extended on the highest eligible debit card (claim on any one debit card held by customer, subject to criteria being met)
• • In case customer has multiple accounts with the bank linked to single debit card, the eligibility criteria need to be met on any 1 of the accounts held by the customer and not for a group/set of accounts

In case of fire/theft/burglary, the FIRST Private Debit Card offers purchase protection for up to 60 days from the date of purchase for transactions carried out at merchant outlets/online using the card.

i. Theft Of Funds (Unauthorized Digital Transactions): We will cover financial losses incurred by the account holder/ debit/virtual cardholder/digital wallets arising from any online frauds/unauthorised transactions.

ii Identity Theft: We will cover financial losses, credit monitoring costs, defence costs for legal proceedings, card replacement cost arising from the misuse of your personal information on the internet by a third party along with psychological consultation costs for the affected victim.

The Insurer will indemnify the Insured Person for flight cancellation charges if the Insured Person cancels his trip before the onset of the trip due to any of the reasons covered in the T&C

Travel insurance covers:

1. Loss of checked in baggage
2. Delay of checked in baggage
3. Delay in flight
4. Missed connecting flight
5. Loss of passport and travel related documents

• • Gross Negligence is not covered
• • Any claim due to deliberate breach of law would not be payable
• • Claim to be intimated to the Insurer within 60 days of the date of intimation about the fraudulent transaction to the Bank by the customer or the date of loss or date of incidence

Please go through detailed Terms, Conditions & Exclusions mentioned here

For insurance features, please click here. For Terms & Conditions, please refer to the following link. For Claim intimation and submission process, refer to the following link. The aforementioned links are exclusive to Debit Cards for Honour FIRST Defence Accounts.

Services included in Roadside Assistance are:

• • Towing of vehicle on breakdown/accident
• • Arrangement of alternate battery or Jump Start
• • Tyre Change
• • Breakdown Support
• • Taxi benefits on a chargeable basis
• • Arrangement of spare keys
• • Arrangement of fuel on a chargeable basis
• • Extraction or Removal of vehicle
• • Message relay to relatives/colleagues/emergency numbers
• • Ambulance Referral

In event of vehicle being stuck in a ditch/pit/valley, Global Assure will make the arrangement to get the vehicle retrieved and towed to the nearest authorised service centre at no cost to the Customer. (Free towing to & Fro up to 50 KM).

In the event Covered Vehicle breaks down due to a minor mechanical / electrical fault / accident and immediate repair on the spot is deemed possible within the scope of services, Global Assure shall assist Customer by arranging for a vehicle technician to reach the breakdown location. Global Assure will bear labor cost and conveyance costs. Cost of Material & Spare Parts if required to repair the vehicle on the spot and any other incidental conveyance to obtain such material & spare parts will be borne by the Customer.

Please refer to the complete terms and conditions for Roadside Assistance on your FIRST Private Debit Card here.

You can avail 1 complimentary golf access per month

You need to book a golf session or a golf game minimum 5 clear days (Excluding the date of play and date of placing the booking) in advance & a maximum of 21 clear days in advance.

Please follow the following steps to redeem your complimentary golf rounds:

• • Visit the link https://teepassindia.thriwe.com/
• • Sign Up (one-time activity) for the first time and create a User Name and Password
• • Once User Name and Password is created, you can now log-in and book the Golf Benefit
• • Once Logged In, the Program details will be mentioned on the home page along with Tabs to “Book your Golf”/ “New Booking” / “Dashboard” / “FAQs” / “T&Cs” / “Contact Us” / “Logout” 

No. Under this program you are not allowed to contact the golf clubs/golf courses directly. At all times, please ensure that you have placed a booking with us in advance to avail the benefits of this program. If the procedure mentioned above is not followed, you may be asked to leave the club premises and may not be entertained

You can avail your complimentary golf rounds at our partner courses/clubs/academies. Please refer to the complete list here.

Please refer to the detailed Terms & Conditions here.