Benefits:
1. Assured approval through Fixed Deposit
2. Zero forex markup on intemational transactions
3. 4 Reward Points per 150 on regular spends
4. 50 Bonus Reward Points per ₹150 on hotel bookings.
30 Bonus Reward Points per ₹150 on flight bookings
Instant virtual card issuance
No income or CIBIL score required (FD-backed)
ATM cash withdrawal up to the FD limit
25% movie discount up to ₹100 once a month
Fuel surcharge waiver 1% up to ₹200
Whom to sell?
Age: 18+
1. CIBIL Score: Not required (FD-backed)
2. Monthly Income: Not mandatory
3. Minimum FD amount - ₹20k
Ideal Customers:
1. First-time credit card users.
2. Users with low or no credit history
3. Frequent travellers
4. People wanting an assured approval secured card
5. Customers needing UPI-enabled RuPay credit card
6. Users looking for zero-forex card
How it works?
1. You shall watch all available training videos
2. You shall then share the product link with everyone in your network (friends/customers)
3. Your customer shall click on the link shared by you, to get redirected to your personalized page, where they should fill their basic details.
4. Once your customer submits their details, you will get a notification for successful lead generation and can check its status on the dashboard.
5. Then the customer is redirected to IDFC First Bank's credit card application page, where they are required to complete the process.
6. Customer initiates application via IDFC FIRST Bank platform
7. Mobile number verified through OTP
8. Customer opens a Fixed Deposit (Minimum ₹20k)
9. FD is lien-marked and linked to the credit card
10. Credit limit assigned based on FD amount
11. Aadhaar-based KYC completed
12. Card offer displayed (WOW! Black)
13. Customer pays joining fee
14. Customer completes digital e-sign
15. Virtual credit card issued instantly
16. Physical card delivered within 5-7 days
17. Customer starts using card and earning rewards
Note: Please get the card created via this journey to be eligible for payout
Terms & Conditions
DOs
1. Clearly explain FD-backed nature of the card
2. Explain joining and annual fee structure
3. Inform about lounge access spend condition
4. Explain reward redemption values accurately
5. Assist customer till card activation
DON'TS
1. Do not promise lounge access without spend condition
2. Do not misrepresent reward structure
3. Do not guarantee credit limit beyond FD value
4. Do not hide joining or annual fees
ETIQUETTES
1. Introduce yourself as a GroMo Partner
2. Maintain professional communication
3. Call only between 9:30 AM-7:00 PM
4. Explain benefits and conditions clearly
5. Thank the customer after interaction
OTHER T&Cs
1. Payout released only after card activation
2. FD lien must remain active while card is live
3. Mis-selling may result in payout reversal
4. Bank may revise benefits and rewards
5. Customer must complete KYC as per RBI guidelines