FIRST Millennia | IDFC FIRST Bank

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Enrol and Earn bonus Reward Points on cumulative spends with your FIRST Millennia Credit Card

Offer: Earn Bonus Reward Points on cumulative spends on your FIRST Millennia Credit Card

Offer Duration: 15^th Dec’25 to 15^th Jan’26

Offer Terms & Conditions

Introduction

The offer is made solely and entirely by IDFC FIRST BANK Limited (“Bank”) to the Bank’s Credit Card holders (“Cardmember”), who have received communication related to this campaign, by the Bank through Email, SMS, Push Notification, App Banners, WhatsApp and / or any direct communication channel intended for the cardmember only.
The offer is applicable only on FIRST Millennia Credit Card.
Earn Bonus Reward Points on cumulative spends mentioned in the communication received related to this campaign.
Cardmember should enrol to earn the Bonus Reward Points. Enrolment can be done only by clicking on the ‘Enrol now’ link/button present in the offer communication.
Reward Points will be credited to the Cardholder’s Credit Card account within 60 days of offer closure.
Multiple transactions can be done during offer period, cumulative spends of all eligible transactions will be considered.
This offer cannot be combined with any other offer.
The offer is only applicable to Cardholders who have enrolled on any communication received on their registered email and mobile number to participate in this campaign during the offer period. Cardmember can enrol anytime between the offer period i.e. from 12:00 AM (15^th Dec’25) to 11:59 PM (15^th Jan’26).
Cardmember should enrol through any of the modes shared by the Bank directly with the intended recipients by clicking on the enrolment link provided in the Email / SMS / WhatsApp/ Push Notification / Web- app banner sent by the Bank.

Bonus Reward Points Campaign Terms and Conditions

A cardmember is eligible for this offer only if he/she has received communication regarding this offer directly on their registered mobile no/email ID from IDFC FIRST Bank through any of its direct channels mentioned above and has opted for the same.
This is a personalized offer. Personalized spends target for the cardmember and the final payback on achieving the spends target is communicated to the cardmember via any of the direct channels mentioned above.
Target spend has been allotted at Cardmember level, i.e., Cardmember should achieve the target by using their FIRST Millennia Credit Card only. If target spend is achieved by any other IDFC FIRST Bank Credit Card(s) it is not considered in fulfilment.
Enrolment needs to be done through the cardmember’s mobile no. and email ID registered with IDFC FIRST Bank.
Cardmember enrolled and all transactions done anytime between IST 12:00 AM (15^th Dec 2025) to 11:59 PM (15^th Jan 2026) will be considered for Bonus Reward Points.
The offer will not be valid for transactions which are commercial in any nature.
For this offer, multiple transactions are allowed, and the cumulative net spends of all eligible transactions will be considered while calculating the eligible spends.
All Card account debits as part of EMI Instalments, Charges, Fees, Balance Transfer, Loan will not be part of eligible spends.
UPI spends (Spends done by FIRST Digital RuPay Credit Card attached to FIRST Millennia Credit Card), International Spends, cash withdrawals & Utility Spends (MCC - 4814, 4816, 4899, 4900) will not be part of eligible spends.
The offer is non-transferable, non-cashable and non-negotiable.
Transactions done with IDFC FIRST Bank Add-On Credit Card shall be considered for the offer and the relevant benefit will be credited to the primary cardholder’s credit card account. However, no separate/duplicate posting will be given to the Add-On cardholder.
During the offer fulfilment, if the cardmember’s credit card account is found to be in overdue status, Bonus Reward Points posting will not be processed.
If any transaction during the offer period is reversed or cancelled by the cardholder or merchant, that particular transaction will be excluded from the total eligible spends. Similarly, for any disputed transaction of the cardholder, that particular transaction will be excluded from the total eligible spends.
All transactions completed within the offer period will be considered. The settlement for few of these transactions may be delayed basis the merchant’s settlement cycle but all transactions authorized within the offer period shall be considered.
Customers will be eligible to receive the benefit of only one active offer available during the applicable time period. In case the customer is eligible for any other offer/campaign on the same transaction as eligible on the above offer, only one offer with the highest monetary value for the customer shall be considered applicable.

Other Generic Terms & Conditions

The Bank reserves the right to disqualify any transaction out of all spends if it appears to be non-personal expense or commercial transaction in nature. The bank may ask for the proof of purchase in the form of invoice/ bill in case of dispute on the said transaction and bank would have the final right to qualify or disqualify any transaction.
Any Cardmember eligible for the offer shall be deemed to have read, understood and accepted these terms and conditions, the offer terms and conditions mentioned in the communication sent, as well as, general terms and conditions of the Bank, before availing the offer.
The Bank reserves the right to disqualify any Cardmember from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer (including any default in payments).
Bank reserves the right, at any time, without any prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or any of these terms and conditions or to replace, wholly or in part this offer by another offer whether similar to this offer or not or to extend or withdraw this offer altogether.
The Bank holds out no warranty and makes no representation about the quality, delivery or otherwise of the goods and services offered by any merchant with regards to this offer. Cardmember is expected to take any grievance, pertaining to quality, delivery or any other issue of purchased goods and services, to the respective merchant and not to the Bank.
The decision of the Bank limited in all matters in connection with and incidental to this offer is final and shall be binding on all persons.
Disputes, if any, arising out of or in connection with or as a result of above offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai.
All taxes, duties, levies or other statutory dues and charges payable in connection with the offer shall be borne solely by the Cardmember and the Bank will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
I hereby confirm that I have also read and understood the contents of the offer details and agree to be levied various charges mentioned therein as and when applicable to me. The T&C, offer and miscellaneous documents provided are in English language and, I have fully understood the same and would request IDFC FIRST Bank to provide any further information in English language and I am aware they are available for reference on the IDFC FIRST Bank website https://www.idfcfirst.bank.in
I hereby declare that the details furnished in the application are true and correct to the best of my knowledge and belief and I undertake to inform IDFC FIRST Bank of any changes therein, immediately. In case any of the information is found to be false or untrue or misleading or misrepresenting. I am aware that I shall be held liable for it.
The offer is valid for the transactions listed under the specified category(ies) only as defined by Visa and MasterCard under their respective Merchant Category Codes (“MCC”).
The offer is valid subject to the transaction being initiated through the listed Merchant/s and the transaction carrying the specified Merchant Category (Category will be mentioned in the communication)
The transaction initiated through aggregators or payment wallets will not be eligible for the offer if the transaction does not have the specified merchant category.

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