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Notifications

  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

FIRST Millennia Credit Card

Eligibility* : Annual income of ₹ 3 Lacs or more

Designed for the millennial lifestyle, this card is just as cool as it looks! With up to 10X Reward Points, low interest rates and amazing merchant discounts, this card will forever find a place in your wallet.

Make a statement with this card that perfectly reflects your style. Embrace IDFC FIRST Bank's Credit Cards today for a credit experience you'll cherish.

*Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.

Reward Program

Your reward points, Yours to keep forever!
Easy to earn, Easy to redeem!

  • 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday
  • 3X  Reward Points on applicable online & offline purchases for spends up to ₹20,000 per month
  • Unlimited Reward points that never expire

  • Use Reward points to instantly pay for online or in-store purchases

  • 1X Reward Points on Insurance premium payments and Utility bill payments

1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25

Reward redemption will attract a small convenience charge of ₹99 (+ GST) per redemption.

Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.

Categories not a part of 10x Threshold- Rental & Property management transactions, Utility, Insurance, Education, Wallet Load & Government Services.

BENEFITS & PRIVILEGES

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

Joining benefits
Privileges
Convenience
FIRST Millennia Credit Card For UPI - IDFC FIRST Bank

Your FIRST Millennia Credit Card, now powered for UPI

    • New digital card instantly issued
    • Linked to your existing credit card with shared limit
    • Joining fee of ₹199 + GST and Annual fee (2nd year onwards) of ₹199 + GST
    • Limited Period Offer: 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
    • Up to 3X reward points on all UPI spends

The best things in life are free. Like Our Credit Cards.

FEES AND CHARGES

Low on charges,
high on benefits!

  • No annual fee. Lifetime Free Credit Card
  • Low Interest Rates (APR), from 0.75% per month (9%  per annum)

  • Interest free cash withdrawals on Domestic and International ATMs for up to 45 days (Cash Advance Fee of only ₹199 + GST per transaction) 

  • OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550

  • Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)

  • Forex Markup at 3.5% for all international transactions

  • Reward Redemption Fee of ₹99+GST will be applicable per redemption transaction.

  • Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction

  • Utility spends (Electricity, Gas, Telecom etc.) above ₹20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle

PAYMENTS

IDFC FIRST Bank Credit Card Bill Payment
Standing Instructions (e-mandates) for recurring payments
Balance Conversion into easy EMI

Frequently asked questions

Is there a Joining/ Membership/ Annual fee applicable on FIRST Millennia Credit Card?

What are the benefits of owning a FIRST Millennia Credit Card?

What is the interest rate on my FIRST Millennia Credit Card?

What are the current offers available on the FIRST Millennia Bank Credit Card?

How do I redeem my accumulated reward points and for how long are they valid?

How can I make payments on my FIRST Millennia Credit Card?

How can I personalize/customize my FIRST Millennia Credit Card?

Can I share my FIRST Millennia credit limit with loved ones?

What is the referral benefit on my FIRST Millennia Credit card?

How do I generate my FIRST Millennia Credit Card PIN?

Do I need to enter my FIRST Millennia Credit Card PIN at every POS terminal?

Can I use my FIRST Millennia Credit Card to withdraw cash at an ATM?

What should I do if I lose my FIRST Millennia Credit Card?

How often can I change my credit card limit?

What are the overlimit (OVL) charges applied on my FIRST Millennia Credit Card?

What is ‘Payment due date’?

What is the ‘Total amount due (TAD)’?

What is the ‘Minimum Amount due (MAD)’?

What are late payment charges?

More FAQs