A lifetime-free
card with
amazing benefits

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.

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

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

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 

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

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.

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.

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 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.

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)

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

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 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)

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)

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.

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

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.

The reward points will get credited upon statement generation.

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 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.

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

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.

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

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.

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.

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.

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.