How to make purchases rewarding with the FIRST Millennia Credit Card

Rent, grocery purchases, utility bills, lifestyle expenses - the list goes on. While you cannot avoid everyday purchases, you can make them more rewarding with the right shopping credit card.

The FIRST Millennia Credit Card by IDFC FIRST Bank is one such card that can make your purchases more rewarding. Designed for the lifestyle choices of millennials, the FIRST Millennia Credit Card comes with accelerated reward points, discounts, and other privileges. These perks add more value to your purchases every time. Let’s understand how.

Benefits of the FIRST Millennia Credit Card
 

Here is how the FIRST Millennia Credit Card rewards your purchases -

1. Accelerated reward points

Earn 3X reward points on all online and offline spending up to ₹20,000 in a billing cycle. If your spending exceeds ₹20,000, the reward points increase 10X. For insurance and utility payments, you earn 1X reward points.

The reward points do not expire and you can redeem them instantly for online or in-store purchases to save on your bills.

2. Joining benefits
 

If you spend ₹5,000 or more within 30 days of card generation, you earn a welcome voucher of ₹500. You also get 5% cashback, up to ₹1,000, on the first EMI transaction value within the first 30 days.

3. Travel perks
 

You can enjoy four complimentary railway lounge visits every quarter and free roadside assistance all over India, up to 4 times a year, if your car breaks down on road trips.

4. Lifestyle benefits
 

Get a 25% discount, up to ₹100, on movie ticket bookings through the District app by Zomato every month. Also get a 1% fuel surcharge waiver, up to ₹200/month, at all fuel stations on transactions between ₹200 and ₹5,000.

The card also offers 300+ merchant offers throughout the year, including up to 20% discounts at 1500+ restaurants and up to 15% at 3000+ health and wellness centres.

5. Easy EMIs
 

Have you purchased more than you can pay? Don’t worry, as the FIRST Millennia Credit Card offers you easy EMIs for offline or online credit shopping. Convert your purchases exceeding ₹2,500 into affordable EMIs instantly.

That’s not all! There’s complimentary personal accident cover worth ₹2,00,000 and lost card liability cover worth ₹25,000 to protect you against unforeseen eventualities.

Maximising the benefits of the FIRST Millennia Credit Card
 

While the card offers the benefits above, do you know how to maximise them?

Here are some tips that can help -

1. Use the card for most of your spends to maximise the reward points
2. Unlock the discounts when shopping at partner outlets, dining out and even on movie tickets
3. Enjoy exciting joining benefits by using the card and meeting the eligibility criteria within 30 days of card issuance
4. Opt for the UPI-enabled version of the card to maximise the benefits of UPI payments too

Elevate your lifestyle, one transaction at a time
 

The FIRST Millennia Credit Card is a rewarding tool in your wallet that can help you save on the most common transactions. Whether you are buying fuel, eating out, shopping, or socialising, utilise the perks card offers.

Use the EMI facility for high-value credit shopping and repay your bills affordably. With a good repayment history and smart usage of the shopping credit card, you can also build your credit score. A win-win, isn’t it?

So, apply for the card and unlock the benefits.