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FIRST Millennia

Designed for the millennial life style, this card is just as cool as it looks! With its 10X Reward Points, low interest rates and amazing discounts, this card will stay with you forever.

Reward Program

Your Reward Points. Yours to keep forever.
Easy to earn. Easy to redeem.

  • 10X Reward Points on all spends above ₹20,000 and spends done on your birthday
  • 6X Reward Points on online spends
    3X Reward points on in-store spends
    (for spends upto ₹20,000)
  • Unlimited Reward Points that never expire
  • Use Reward Points to instantly pay for online or in-store purchases
  • No fees for redeeming Reward Points
  • Earn 10X Rewards on all spends done on your birthday

1X = 1 Reward point per ₹100 spent | 1 Reward point = ₹0.25

Reward points are not accrued on fuel/ EMI/ Insurance transactions or cash withdrawals

BENEFITS & PRIVILEGES

First-in-class features.
Designed to delight, year after year.

Joining benefits
Privileges

The best things in life are free. Like IDFC FIRST Credit Cards.

FEE AND CHARGES

Low on charges,
high on benefits!

  • No annual fee. Lifetime Free Credit Card
  • No over-limit fee
  • No reward-redemption fee
  • Interest Rate on Cash withdrawals from ATMs
  • Low Interest Rate (%APR), from Starting at 0.75% p.m. (9%p.a.)
  • Late Payment Fee: 15% of total amount due(subject to Min ₹100 and Max up to ₹1,000)
  • Forex Markup at 3.5%
  • Cash Advance Fee at ₹250

We know you’re going places. Your new-age card will be your companion as you travel the world

  • Best in class Forex mark-up of only 1.5%
  • Access to International and Domestic Airport lounges and spas
  • Comprehensive Travel Insurance and Air Accident cover
  • Interest-free cash withdrawal* at International and Domestic ATMs *Cash Advance Fee of only ₹250 per transaction

Frequently asked questions

Is there a minimum monthly / annual spend required for waiver of annual fees?

What are the joining and annual charges? are there any other hidden charges?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

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