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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.
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
Get 25% off up to ₹100 on movie tickets booked via the District by Zomato mobile app every month Know More
Fuel surcharge waiver of 1%* up to ₹200 every month at fuel stations across India
*Applicable only on transactions between ₹200 and ₹5,000
Up to 20% off at 1500+ restaurants and up to 15% off at 3000+ Health & Wellness outlets Explore all offers
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
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
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
above ₹2,500 on the bank’s OTP page
starting at just 8.5% per annum.
from ATMs for up to 45 days
*one-time cash withdrawal fee of ₹199 + GST applicable
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
Joining and Annual Fees
Interest rates /Annual Percentage Rate (APR)
Cash Withdrawals
Across domestic and international ATMs
Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App
Open the IDFC FIRST Mobile Banking App
Tap ‘Travel & Shop’ in the menu
Choose Hotels or Flights and Book
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.
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 = 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.
Sweeter benefits await
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.
IDFC FIRST Bank's credit card application is completely digital and paperless, featuring a smooth, clear interface. The entire process has excellent clarity. After completing VKYC, I received my card the very next day. Overall, excellent service.
Varun Kumar
FIRST Millennia
February 11, 2025
IDFC FIRST Bank's app is superior, user-friendly and enjoyable to use. The Video KYC process was smooth and convenient, which was greatly appreciated. The card packaging is also premium. Overall, the experience has been positive.
Mayank Malik
FIRST Millennia
January 24, 2025
I'm incredibly pleased about my experience with IDFC FIRST Bank; everything is great and very easy to use. This card is exceptionally beneficial for online shopping and digital transactions, proving to be excellent overall.
Rehan Raza
FIRST Millennia
January 24, 2025
All of IDFC FIRST Bank's services are great; their process is quick and fast. Unlike other banks this bank understood the value of my CIBIL score and provided me a credit card without any hassle. I'd appreciate it if you could increase my credit limit.
Tapanshri Gupta
FIRST Millennia
January 23, 2025
Learn all about credit cards
The FIRST Millennia Credit Card is a lifetime-free credit card, carefully crafted with millennial lifestyles in mind.
Understand the eligibility criteria of the FIRST Millennia Credit Card – your key to making your lifestyle dreams come true.
Get an add-on FIRST Digital RuPay Credit Card linked to you IDFC FIRST Credit Card and enjoy the convenience of UPI.
All
Fee and Card Usage
Benefits
Reward Points
Credit Limit
Payments
No, the IDFC FIRST Bank Millennia Credit Card is lifetime-free. There are no joining, membership, or annual fees, making it a cost-effective choice for cardholders seeking premium benefits without recurring charges.
The Annual Percentage Rate (APR) on IDFC FIRST Bank Credit Cards range from 8.5% to 46.2% p.a. IDFC FIRST Bank is one of the first banks in India to offer credit card interest rates as low as 8.5% p.a.
Yes, cash withdrawals are allowed globally. A one-time fee of ₹199 + GST applies per transaction. There's no interest for up to 45 days. You can withdraw up to ₹10,000 per transaction, subject to your cash limit.
You can generate your PIN via Net Banking, the IDFC FIRST Bank App, or Customer Care. For full steps, visit the Credit Card Help section.
You can personalise your card during application by selecting an image or uploading your own. This service is available for a nominal joining fee and annual fee of ₹499 + GST.
Yes, you can share your credit limit by issuing Add-On cards with a₹499 + GST, joining and annual fee per card. These cards share the same credit limit and the primary cardholder is liable for all payments.
Yes, for transactions in India, PIN entry is required. Internationally, PIN entry depends on the terminal. You can also enable contactless (tap-and-pay) transactions up to ₹5,000 via the mobile app.
If you lose your credit card, block it immediately using any of the following methods and request a replacement:
Customer care helpline
Call 1800 10 888 and ask to block your lost card. You may be asked to verify certain details before the card is blocked.
IDFC FIRST Bank Mobile banking app
Log in to the mobile app, navigate to the credit card section, and choose the option to block your card.
Net banking portal
Log in to the IDFC FIRST Bank’s website using your net banking credentials and block your card from the credit card section.
SMS service
Send an SMS in the format: CCBLOCK<space><Last 4 digits of credit card number> to 5676732 to block your card instantly.
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.
You can enjoy joining benefits worth ₹1,500 with your FIRST Millennia Credit Card:
1. Receive a ₹500 welcome voucher when you spend ₹5,000 or more within 30 days of card activation.
2. Get 5% cashback, up to ₹1,000, on the first EMI transaction made within 30 days of card activation.
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, and 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)
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 ₹500 within 30 days of setting up their credit card. For more details, please click on the link below:
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.
Getting a FIRST Millennia Credit Card has many benefits, some of which are listed below:
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 payments, 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)
Education, Wallet Load, Government payments, 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.
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 ₹99 + GST will be applicable.
No. Reward points earned on the FIRST Millennia Credit Card do not expire, giving you the flexibility to redeem anytime.
Reward points are credited at the time of monthly statement generation and are available for redemption thereafter.
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)
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.
The Bank may revise your limit based on eligibility. You can also request a limit enhancement via Net Banking or mobile app by submitting required documents.
You can pay via IDFC FIRST Bank Net Banking, Mobile App, UPI, IMPS, NEFT, debit card, cheque, or by visiting an IDFC FIRST Bank branch. Know More
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 on the IDFC FIRST Bank mobile application.
The payment due date is the last date to pay at least the Minimum Amount Due (MAD) to avoid late charges and credit score impact. It’s fixed each month and follows your statement generation.
TAD includes all purchases, EMIs, charges, and interest accrued during the billing cycle. Paying in full avoids interest charges.
MAD is usually ~5% of the total outstanding (including EMIs and charges). Paying only MAD avoids late fees but interest continues on the unpaid amount.
If MAD is unpaid by the due date, late payment fees are charged based on the balance. Interest also applies on the overdue amount until cleared.
The APR ranges from 8.5% to 46.2% per annum. Responsible credit usage and timely repayment help you maintain a lower interest rate.
Interest is calculated daily from the transaction date until the payment date. It varies based on transaction type and history. Paying the full amount avoids interest.
To apply for a low interest credit card online like the FIRST Millennia, follow these simple steps:
• Visit the IDFC FIRST Bank Credit Cards page
• Choose the FIRST Millennia Credit Card
• Click ‘Apply Now’, and complete the form
• Once approved, the card is dispatched to your registered address
Up to 45 days of interest-free credit on retail purchases, if the full outstanding from the previous cycle is paid by the due date.
Yes. Withdraw cash interest-free for up to 45 days. A fee of ₹199 + GST applies per transaction. Interest is charged after the free period if unpaid.
Important documents