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

• •  Maximum of 2+2 complimentary access for FIRST Select cardholders every calendar quarter at domestic airports*
  Please note: Your card will be charged a refundable (within 24 hrs) amount of Rs. 2 for each entry at airport lounge.
• •  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 select 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 25+ domestic and international airports. Complimentary lounge access on FIRST Select card is only applicable on domestic airports. You can find the list of airports here

Please refer to complete terms and conditions here

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

• • Personal Accident Insurance cover of Rs. 50,00,000
• • Air Accident Insurance cover of Rs. 1,50,00,000
• • Purchase Protection cover of Rs. 1,00,000
• • Lost Card Liability cover of Rs. 10,00,000
• • 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 Select 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 Select 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 Select 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 Select Debit Card here.

Concierge service on FIRST Select Debit Card comes in the form of a digital assistant & guide that helps you book and plan travel, provide city guides and give emergency support with a global access.

With the help of Concierge service, you can easily book adventures, dining reservations, staycations, relaxing spa treatments and golf days.

Yes, concierge helps you with medical services and helpline across the world. It also provides accident assistance, support during medical emergencies and helpline support.

Concierge service on FIRST Select Debit Card offers 24x7 multi-channel self-booking and access to support via the app, website, email, phone and live chat.

For steps to avail concierge service please click here.