The advantages of having an IDFC FIRST Millennia Credit Card

Various age groups have different spending habits. Young working professionals have different requirements and expenses compared to middle-aged and elderly individuals. Every individual needs a discrete financial tool tailored to suit their lifestyle and spending habits. 

Taking into consideration the lifestyle of millennials, IDFC FIRST Bank offers the FIRST Millennia Credit Cards with attractive discounts and offers on various expenses and low charges. Here are some details about the IDFC FIRST Millennia Credit Card and all it has to offer. 

What is a FIRST Millennia Credit Card?

The IDFC FIRST Millennia Credit Card is specifically designed to meet the lifestyle of millennials. This credit card comes with huge rebates and discounts on online shopping from merchants and outlets. Additionally, you can earn loyalty reward points on every purchase with the FIRST Millennia credit card.

In order to help customers manage their finances and ease out on expenses, credit card fees, such as finance charges, are kept to a minimum.

Unique features of FIRST Millennia Credit Cards

The IDFC FIRST Millennia Credit Card provides specific features to the cardholder that are not only rewarding but also help them manage their expenses efficiently. Here are some of the unique features of IDFC FIRST Millennia Credit Cards:

· No joining fee or annual membership charges
 

The IDFC FIRST Millennia Credit Card is lifetime-free. That means you don’t need to pay any joining fee or annual membership charges to use your card.

·  High rewards  
 

With the FIRST Millennia Credit Card, you can witness unparalleled loyalty rewards. You get
3X reward points on online purchases for spends up to 20,000 per month.
You will earn 10X reward points on incremental spends above 20,000 per month and on every purchase made on your birthday.
Education, wallet loads and government service transactions earn up to 3X reward points. However, these transactions will not be a part of 10X threshold calculation.Unmissable benefits await you as every purchase counts with this extraordinary credit card!

· Rewards without an expiry date

With the FIRST Millennia Credit Card, not only do you get the opportunity to earn high reward points, but also the ability to redeem them any time you like. Redeeming your reward points is a simple click of a button at any point of sale.

· Travel benefits

The FIRST Millennia Credit Card has several benefits for travellers. It comes with with 4 complimentary railway lounge visits per quarter, complimentary roadside assistance worth ₹1,399, fuel surcharge waiver of 1% (up to ₹200 per month) at all fuel stations across India, and much more.

· Easy monthly instalments

When you make a purchase over ₹2,500, you can convert it to easy monthly instalments (EMIs) that you can repay conveniently over a longer period with help of the IDFC FIRST Bank mobile banking app.

· Low finance charges

To help young professionals manage their finances conveniently, an IDFC FIRST Millennia Credit Card offers low finance charges starting from 0.75% to 3.5% per month. With low Credit Card interest rates (APR), you can maintain your lifestyle without going heavy on your pockets.

· Attractive joining privileges

Upon signing up and spending just ₹5,000 in the first 30 days, you receive a welcome voucher worth ₹500

· Shopping benefits

The Millennia Credit Card also includes attractive shopping offers and discounts. Along with cashback and discounts at over 300 merchants, you can also get lifestyle and travel benefits. Users can enjoy up to 20% discount at over 1500 restaurants across the country.

· Interest-free cash withdrawals

One of the most rewarding features of the IDFC FIRST Millennia Credit Card is that it offers zero interest charges on local and international cash withdrawals for up to 48 days. This means you don’t have to worry about cash shortfall even when you can’t access your funds online.

Who can own a FIRST Millennia Credit Card?

You must meet a few eligibility criteria before you can apply for an IDFC FIRST Millennia Credit Card.

·You must be above 18 years of age

·You must be an Indian

·You should have a minimum monthly salary of 25,000 or above.

For a generation of individuals with one-of-a kind lifestyle needs, the IDFC FIRST Millennia Credit Card is designed to offer them attractive discounts and deals on everyday expenses. This invaluable credit card offers millennials an avenue through which they can efficiently manage their spending habits without facing unnecessary charges or hiccups along the way; making it perfect for young working professionals regardless of what stage in life they're at. Unlock your unique experience today –apply for the FIRST Millennia Credit Card now!

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.