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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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FIRST Millennia Credit Card

Do more of
what you love

#UnlockTheNewAge

FIRST Millennia Credit Card - Low Interest Credit Card

Earn up to 3X
Reward Points
on UPI Spends

Already have the FIRST Millennia Credit Card?

Eligibility: Annual income of ₹3 lakhs or more

Exciting welcome offers

₹500 gift voucher from your favourite brand

Up to ₹1,000 cashback on first EMI

₹500 gift voucher from choice of brands

Choose a gift voucher worth ₹500 from brands like- Amazon, BigBasket, Uber and Lifestyle on spending ₹5,000 or more within 30 days of card generation*.
*30 days from the day you receive SMS/email confirmation that your card is issued.

Eligibility:
• Spends of ₹5,000 within 30 days of card generation
• Spends is only eligible for Primary Card

Fulfilment:
• After meeting the spends criterion of ₹5,000, you will receive a SMS/email communication (within 4-5 working days) on your registered mobile number/ email with a link to reward section of our mobile banking app.
• Click on the welcome benefit banner to pick a voucher of your choice. The voucher will be available for redemption up to 90 days of receiving the SMS/email.

Exclusion
• Not applicable on UPI, Add-on card transactions, wallet load, EMI converted transactions & ATM cash withdrawal.
• If any of the transactions are reversed/cancelled/ disputed by the cardholder or merchant, that transaction will be excluded.

Up to ₹1,000 cashback on first EMI

Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
*30 days from the day you receive SMS/email confirmation of issued.

Eligibility:
• This offer is applicable only on first EMI conversion within first 30 days of card generation.
• A transaction above ₹2,500 and above can be converted into EMI

Fulfilment:
• Eligible customers will receive cashback within 90 days of the offer end date

Exclusion:
• Transactions done on gold and jewellery are not eligible for EMI conversion
• If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer
• If any of the transactions are reversed/cancelled/foreclosed by the cardholder or merchant, that EMI transaction will be excluded. Similarly for any disputed transaction by the cardholder, that EMI transaction will be excluded

Exclusive privileges with the
FIRST Millennia Credit Card

Lifestyle
Travel
Comprehensive insurance

25% off on movie tickets

Discounted
Explore Now

1% Fuel surcharge waiver

300+ Merchant offers, all year long!

Discounted
Explore Now

Complimentary railway lounge access

Discounted
Explore Now

Accident and lost card liability cover

24/7 Roadside assistance

25% off on movie tickets

Get 25% off up to ₹100 on movie tickets booked via the District by Zomato mobile app every month Know More

1% Fuel surcharge waiver

Fuel surcharge waiver of 1%* up to ₹200 every month at fuel stations across India

*Applicable only on transactions between ₹200 and ₹5,000

300+ Merchant offers, all year long!

Up to 20% off at 1500+ restaurants and up to 15% off at 3000+ Health & Wellness outlets Explore all offers

Complimentary railway lounge access

Enjoy 4 complimentary railway lounge visits across India every quarter
Disclaimer: Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. Explore list of eligible railway lounges

Accident and lost card liability cover

Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000. Valid on making at least one transaction on the FIRST Millennia Credit Card in the last 30 days. Know more

24/7 Roadside assistance

Receive 24/7 roadside assistance for any emergencies while traveling

Complimentary Roadside Assistance worth ₹1,399. Valid up to 4 times in a year on your FIRST Millennia Credit Card.T&C apply Click here to know more

Experience convenience like never before

Instant EMI conversion for all online transactions

above ₹2,500 on the bank’s OTP page

Low interest rates(APR)

starting at just 8.5% per annum.

Interest-free* cash withdrawals

from ATMs for up to 45 days
*one-time cash withdrawal fee of ₹199 + GST applicable

Activate UPI at just ₹199

  • Joining and Annual fee (2nd year onwards) of just ₹199 + GST
  • Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
  • Earn up to 3X reward points on your spends

This card is perfect for you because...

No annual fees

Lifetime-free credit card!

Easy EMI options

Convert all transactions above ₹2,500 into EMIs

300+ merchant offers

Every deal gets sweeter with the FIRST Millennia Credit Card

Fees and charges

  • Joining and Annual Fees

    NIL

  • Interest rates /Annual Percentage Rate (APR)

    From 8.5% - 46.2% per annum

  • Cash Withdrawals

    Across domestic and international ATMs

    0% Interest
    for up to 45 days ₹199 + GST per transaction

  • Click here for more details

Get added benefits on Flight and Hotel bookings

Unlock amazing benefits with the IDFC FIRST Mobile Banking app

  • Say goodbye to convenience fees on all flight bookings (no conditions)
  • 20 bonus Reward Points for every ₹100 spent on hotel bookings
  • Exclusive deals enjoy attractive airfares and hotel prices

How to book your flights and hotels

  • Step 1

    Log into the IDFC FIRST Mobile App

  • Step 2

    Visit Travel and Shop

  • Step 3

    Click Hotels or Flight booking

Never-expiring reward points

10X Reward points

on incremental spends above ₹20,000 per statement cycle and spends done on your birthday.

3X Reward points

on spends till ₹20,000 in a statement cycle

1X Reward points

on Insurance premium payments and Utility bill payments

10X Reward points

1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education, Wallet Load, Utility and Insurance. These transaction will not be counted towards 10X spends milestone.

3X Reward Points

1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education and Wallet Load transactions will earn 3X reward points. These transactions will not be counted towards 10X spends milestone.

1X Reward points

1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Insurance and utility transactions will not be counted towards 10X spends milestone.

Deals you can't miss

Sweeter benefits await

Your go-to app for managing all your Credit Card needs

Install Now

Enjoy India’s #1 Mobile Banking App

Manage Your Card:
Access your virtual credit card, view transaction details, e-statements, and outstanding amounts seamlessly.

Control Usage:
Instantly manage your credit card settings, including online, contactless, and international transactions, or set/reset your card PIN.

Convenient Repayments:
Pay your credit card bill effortlessly through multiple options or set up autopay for hassle-free repayments.

Exclusive Offers:
Discover curated merchant offers and redeem your Reward Points for exciting deals.

FinFIRST Blog

Learn all about credit cards

Benefits of the IDFC FIRST Millennia Credit Card

The FIRST Millennia Credit Card is a lifetime-free credit card, carefully crafted with millennial lifestyles in mind.

Is the FIRST Millennia Credit Card right for you? Find out here

Understand the eligibility criteria of the FIRST Millennia Credit Card – your key to making your lifestyle dreams come true.

Flexibility of UPI with your IDFC FIRST Bank Credit Card

Get an add-on FIRST Digital RuPay Credit Card linked to you IDFC FIRST Credit Card and enjoy the convenience of UPI.

Answering all your questions

All

Fee and Card Usage

Benefits

Reward Points

Credit Limit

Payments

Is there a Joining/ Membership/ Annual fee on IDFC FIRST Bank Millennia Credit Cards?

There is absolutely no Joining/ Membership/ Annual fee applicable on your FIRST Millennia credit card. You can enjoy the benefits of using a credit card, such as cashback, reward points, and discounts on purchases, without worrying about any additional fees.

What is the interest rate(APR) on my credit card?

IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 8.5% to 46.2% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.

Can I use my FIRST Millennia Credit Card to withdraw cash at an ATM?

Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 45 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of where you are or the amount you withdraw. The maximum cash withdrawal limit per transaction is Rs 10,000

How do I generate my FIRST Millennia credit card PIN?

There are 3 easy to generate your Credit Cards PIN:

1. Through Net banking:

Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirstbank.com/login]

a. Enter “Customer ID” & “Credit Card number” and click on Get OTP

b. Verify using the OTP sent on your registered mobile number

c. Enter and Re-enter PIN of your choice and click on confirm

d. You could also login to your Net Banking account and follow the below steps

i. Select Credit Cards section

ii. Select Set new PIN

iii. Enter and Re-enter PIN of your choice and click on Get OTP

iv. Please verify through the OTP sent to your registered mobile number

2. Through the IDFC FIRST Bank App

a. Select browse icon from the right side top menu on login page

b. Enter “Customer ID” & “Credit Card number” and click on Get OTP

c. Verify through the OTP sent to your registered mobile number

d. Enter and Re-enter PIN of your choice and click on confirm

e. You could also login to the App and follow the below steps

i. Access Credit Cards section

ii. Select Set new PIN

iii. Enter and Re-enter PIN of your choice and click on Get OTP

3. Customer Care

Call our toll-free number 1800 10 888 and follow the instructions to generate the PIN

Or click here fill in the required details IDFC FIRST Bank

How can I personalize/customize my FIRST Millennia Credit Card?

You can personalize your FIRST Millennia Credit Card by changing its design to your preferred image. You can either choose your own or select one from our gallery of curated images.

Enjoy your personalised card at joining and annual fee of just ₹499.

For more details, please clink the below link
Image Personalization |IDFC FIRST Bank 

Can I share my FIRST Millennia credit limit with loved ones?

Yes. You can share your credit limit with anyone, including friends, family, or a loved one, with an Add-On credit card at a joining and annual fee of just ₹499.

While they can use the card for their purchases, the bill will have to be paid by you.

For more details, please click the link below:
Add of Credit Card- Check Benefits & Apply |IDFC FIRST Bank

Do I need to enter my FIRST Millennia Credit Card PIN at every POS terminal?

You are required to enter your PIN for completing transactions in India. This is a security measure to ensure that the transaction is authorized by the cardholder. However, outside India, you will only be asked for your PIN if the Point of Sale (POS) terminal is enabled for PIN authentication.

You can pay using tap-and-go (contactless payment). The Contactless Payment option should be enabled from the IDFC FIRST mobile banking application. A maximum of Rs. 5,000 can be paid at a time using this method.

What should I do if I lose my FIRST Millennia Credit Card?

In case you lose your credit card, immediately block it through any of the routes mentioned below and reapply for a replacement

• Customer Care Helpline

You can call customer care helpline number, 1800 10 888 and place a request to block the lost card. The customer service executives may verify some information before they block the card remotely.

• IDFC FIRST Mobile Banking App

You can login to IDFC FIRST Mobile Banking App, in the credit card section select the option to block your credit card.

• Net Banking Portal

You can login to IDFC FIRST Bank’s website with you net banking credentials and block your credit card.

• SMS Service

You can place request to block you card via SMS, please type CCBLOCK<Space><Last 4 digits of Credit Card number> and sent it on 5676732.

Is there a Joining/ Membership/ Annual fee applicable on FIRST Millennia Credit Card?

The FIRST Millennia Credit Card comes with no joining, or annual feesWhile offering value to customers through benefits  like discount on movie tickets , fuel surcharge waiver , GV worth Rs. 500 as welcome offer on card activation and year round deals from partnered merchants* without the burden of additional fees.

What is the joining benefit offered by the FIRST Millennia Credit Card?

You are eligible for joining benefits worth ₹1500 on your FIRST Millennia Credit Card

1. Welcome voucher worth ₹500 on spending ₹5000 or more within 30 days of card generation

2. 5% cash back up to ₹1000 on transaction value of first EMI done within 30 days of card generation.

What are the current offers available on the FIRST Millennia Bank Credit Card?

Your FIRST Millennia Credit Card is designed to offer multiple benefits, offers, and features to suit your diverse needs and lifestyle. Discounts on shopping, dining, movies run all year round. Frequent travellers can enjoy benefits like complimentary railway lounge access, complimentary travel insurance, and discounted hotel bookings. In-app online offers on your favourite brands, health and wellness offers, and more. Explore here: Offers & Privileges - IDFC FIRST Bank (poshvine.com)

What is the referral benefit on my FIRST Millennia Credit card?

Existing IDFC FIRST Millennia Credit Card holders can refer their family and friends for IDFC FIRST Bank Credit Cards and earn 2000 bonus reward points for each successful card generation. One can earn a maximum of 10,000 bonus reward points. The referred person also stands a chance to earn 2000 bonus reward points by making a minimum transaction of Rs.500 within 30 days of setting up their credit card.

For more details, please click on the link below:

referral-journey | IDFC FIRST Bank

What is low interest credit card?

A low-interest credit card is designed to make borrowing more affordable with lower interest rates on outstanding balances. The FIRST Millennia Credit Card not only offers the advantage of being a low-interest credit card but also comes with exceptional benefits such as accelerated reward points , cashback on EMI conversion , fuel surcharge waiver and exclusive discounts on purchases. With no joining or annual fees, it stands out among low-interest credit cards, ensuring you enjoy maximum savings and value with every spend.

What are the benefits of owning a FIRST Millennia Credit Card?

Getting a FIRST Millennia Credit Card has a myriad of benefits, some of which are listed below:

  • Welcome benefits of up to ₹1,500 on card activation
  •  Host of discounts and offers  on offline and online transactions with over 300+ merchant offers*,
  • 4 complimentary Railway lounge visits per quarter*
  • Complimentary Roadside Assistance worth ₹1,399
  • Upto 10x Never-expiring reward points
  • 25% discount on movie tickets up to ₹100 on District by Zomato mobile app (valid once per month)

Will I earn reward points for every spend?

Yes. You will earn:

- 10X never-expiring reward points for incremental spends above ₹20,000 in a statement cycle and spends done on your birthday.

- 3X never-expiring reward points on spends up to ₹20,000 in a statement cycle.

-  3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions.

- 1X never-expiring reward point on utilities and insurance transactions. Spends in these categories will not be considered for the 10X monthly milestone.

-  Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.

(1X reward point is given for every ₹150 spent in a transaction. Value of 1 reward point is ₹0.25)

Are there any exclusions for earning 10X reward points?

Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee and Charges.

Only transactions settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited in the next statement generation.

How do I redeem my accumulated reward points and for how long are they valid?

Redeeming the accumulated reward points of your FIRST Millennia Credit Cards is a breeze.

Reward points are never expiring.

• You can use reward points to pay for any online purchase and also at some physical stores. This option is available for both online and offline transactions and can be accessed by selecting the ‘pay with points’ option at the payment gateway.

• You can also redeem your reward points against a range of amazing offers available here. Browse through various reward points redemption options and choose from an extensive range of products, services, and experiences.

• The reward points redemption process is hassle-free and straightforward, a reward redemption fee of Rs. 99 + GST will be applicable

Is there an expiry date on the reward points accrued on my card?

There is no expiry date on the Reward Points accrued on your IDFC FIRST Millennia Credit Card. You can use your Reward Points whenever you want, without the fear of losing them.

When will the reward points be credited?

The reward points will get credited upon statement generation.

What are the current offers available on the FIRST Millennia Credit Card?

Your FIRST Millennia Credit Card is designed to offer multiple benefits, offers, and features to suit your diverse needs and lifestyle. Discounts on QSR ,shopping, dining, movies and travel run all year round. Frequent travellers can enjoy benefits like complimentary railway lounge access,  Explore here: Offers & Privileges -IDFC FIRST Bank (poshvine.com)

What will be my credit limit?

If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.

If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards.

How often can I change my credit card limit?

The credit limit on credit cards can be changed by the bank based on the customers’ eligibility criteria. The other way to increase your credit limit by sharing specific documents with the bank for further assessment.

Eligible customers receive a proactive offer to increase their credit card limit.

How can I make payments on my FIRST Millennia Credit Card?

Paying your Credit Card bill is as easy as it is to swipe the card for shopping. There are multiple ways with which you can pay your credit card bill, click here to know more

What are the overlimit (OVL) charges applied on my FIRST Millennia Credit Card?

Transactions can get declined when customers cross their credit limit. That’s why we provide an overlimit facility which offers an additional 10% credit limit for customers for a hassle-free experience. Customer consent is required to enable the OVL facility, this can be done through the Credit Cards section in IDFC FIRST Bank mobile application.

What is ‘Payment due date’?

It is the date by which you’ll need to pay your credit card dues. For more details, please refer to our MITC document.

What is the ‘Total amount due (TAD)’?

It is total amount to be paid by the due date to avoid any additional charges. For more details, please refer to our MITC document.

What is the ‘Minimum Amount due (MAD)’?

It is the amount to be paid to avoid any late payment charges. An interest will be applicable on the unpaid amount. For more details, please refer to our MITC document.

What are late payment charges?

Late payment charges are levied when a customer does not pay the MAD amount before the due date. For more details, please refer to our MITC document.

What is the interest rate on my FIRST Millennia Credit Card?

IDFC FIRST Bank Credit Cards offer some of the lowest interest rates in the country, starting from 8.5% per annum. This makes it a low interest credit card, which is much lower than many other credit cards that charge up to 42% p.a. interest. The lowest interest rate credit card helps you save on interest charges if you can't clear your dues completely in a statement cycle.

Important documents

ON A MISSION TO BUILD THE WORLD’S MOST
CUSTOMER FRIENDLY BANK