Unlocking the FIRST Millennia Credit Card: Rewards, perks and eligibility

You have been eyeing that sleek new FIRST Millennia Credit Card by IDFC FIRST Bank in your friend's wallet and wondering how to get your hands on one. Well, wonder no more.

This comprehensive guide unlocks everything you need to know about scoring your FIRST Millennia card. From bonus vouchers to lounge access, you will get the inside scoop on how this card can work for you.

Why is the IDFC FIRST Millennia Credit Card is so popular?
 

Here's the thing about this card – it's built to reward you. Let's break down the good stuff -

• Reward power - Earn up to 10X reward points on your spending every month. Your points never expire so you can save up for something really special. Redeem your points for shopping, dining, travel, and more. You will even get 3X rent and utility payment points, so your daily expenses earn you rewards.
• Welcome perks - As soon as your card arrives, you will receive a voucher worth ₹ 500 to spend after your first ₹5,000 purchases. Also, you will also receive 5% cashback, up to ₹ 1,000, on your first EMI. Talk about a warm welcome.
• Privileges that pamper - Your card includes lifestyle privileges like 25% off movie tickets, four complimentary railway lounge access every quarter, roadside assistance for emergencies, and fuel surcharge waivers. You will also enjoy hundreds of merchant offers for dining, shopping, and wellness each month.
• Activate UPI - Instantly activate a virtual RuPay version of the FIRST Millennia Credit Card for a mere ₹199. You can link it to UPI apps to scan and pay across 60 million+ offline merchants in India. 

IDFC FIRST Millennia Credit Card: Are you eligible?
 

So, do you meet the criteria to unlock this amazing credit card? Here are the basics you will need to qualify -

• Age - You should be above 18 years old.
• Income - Have a steady income and the ability to pay off the card each month. The minimum annual income requirement is ₹ 3 lakh or more.

Documents required
 

Here are the documents required to open FIRST Millennia Credit Card -

• Address proof (any one) -
  • Aadhaar card
  • Passport
• Identity proof (any one) -
  • Pan card
  • Aadhaar card
  • Voter’s ID card
  • Passport
  • Driving license

Boosting your FIRST Millennia credit card eligibility
 

To qualify for the IDFC FIRST Millennia Credit Card, focus on building solid credit card eligibility. The higher your score, the better your chances of qualifying for the card and accessing its premium benefits. Some key ways to boost your score include -

• Paying your bills on time - Payment history makes up 35% of your score, so pay at least the minimum amount due each month before the due date. Set up automatic payments if needed. Late or missed payments severely hurt your score.
• Keeping low credit card balances - Your credit utilisation ratio, or the amount you owe compared to your limits, makes up 30% of your score. Keep balances below 30% of your limit on each card. Pay off debt rather than moving it around.
• Applying for a new credit card sparingly - New credit accounts for 10% of your score. Apply only for the credit you genuinely need. Too many new credit card applications, especially within a short period, can hurt your score.
• Checking for errors on your credit reports - Errors on your credit reports can negatively impact your score. Review reports annually to check for mistakes and dispute them.

To wrap up
 

So there you have it - everything you need to know about unlocking the benefits of the FIRST Millennia Credit Card by IDFC FIRST Bank. With amazing rewards, exclusive perks and privileges, and conveniences, this card can take your lifestyle to the next level. All that's left is for you to apply and start enjoying the first-class treatment you deserve.

Apply for this credit card today to start reaping the exclusive rewards and experiences that will make your life richer.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.