Your first steps with the credit card with the best rewards

Congratulations on getting your hands on the credit card with the best reward structure out there! The FIRST Millennia Credit Card is built for people like you - smart spenders who want more from every purchase. Whether ordering food, shopping online, or catching up on a movie, this card rewards you for what you've already spent. It’s simple, flexible, and packed with perks you’ll actually use.

Let’s walk through how to get started and make the most of your credit card with the best rewards from day one. 

What makes FIRST Millennia Credit Card the best for rewards?
 

Your FIRST Millennia Credit Card welcome kit is thoughtfully put together to guide you. It contains:

• Your brand-new FIRST Millennia Credit Card

• A welcome letter highlighting key benefits

• QR to download the IDFC FIRST Mobile Banking App

• Steps to activate your card and set usage controls

It’s all laid out simply to ensure you can start enjoying the best rewards your credit card has to offer without any hassle.

Understanding the card details
 

Now, let's look at your FIRST Millennia Credit Card itself. You'll see:

• Your name as it appears on your application

• The 16-digit credit card number

• The expiry date (month and year)

• The Card Verification Value (CVV), a 3-digit number on the back of your card, near the signature strip

These details will come in handy when activating the card, making secure transactions, and availing the best credit card rewards. So, keep them safe and treat your card details with utmost care.  
 
Important note: Never share your card number, expiry date, or CVV with anyone. 

How to activate the card (step-by-step guide)
 

Here’s how to get your FIRST Millennia Credit Card up and running in a few minutes and start availing the best credit card rewards:

• Through the IDFC FIRST Bank Mobile Banking App

  1. Download and open the Mobile Banking App

  2. Enter your customer ID and follow the steps to “Get OTP”

  3. Enter the OTP sent to your registered mobile number for authentication

  4. Go to the ‘Credit Cards’ section

  5. Select ‘Set New PIN’ and set your 4-digit PIN for secure transactions

  6. Your card is now active

  7. In the same section, enable your card and set usage limits for online, contactless, and international transactions

• Through net banking

  1. Head over to the IDFC FIRST Bank Net Banking page

  2. Click on ‘Generate Credit Card PIN’ on the pre-login page

  3. Enter your customer ID and follow the steps as directed on the screen

  4. You’ll receive an OTP on your registered mobile number. Enter that OTP to authenticate

  5. Now, choose your 4-digit PIN and confirm it by re-entering. Once done, click on ‘Confirm’

• Through customer care

If you prefer, you can activate your card by calling customer care at 1800 10 888 and following the prompts.

Whatever the process you choose to activate, it is seamless and secure. This is just another reason that makes the FIRST Millennia Credit Card a standout with the best rewards.

Getting started with your new card
 

Now that your FIRST Millennia Credit Card is active, it’s time to set up the tools that will help you manage it. You’ve already seen how net banking and the mobile app help with activation. Once logged in, you’ll be able to:

• View transactions and statements  

• Pay your card bill instantly  

• Track the reward points you’ve earned  

• Access offers, discounts, and equated monthly instalments (EMI) options  

Moreover, you can also link your FIRST Millennia Credit Card to UPI, making it even more flexible. The process is also simple. 

• Open your preferred UPI app (like BHIM, Google Pay, or PhonePe)

• Check for option ‘Add UPI on credit card’  

• Select IDFC FIRST Bank

• Enter your credit card details and verify with OTP

Now you can use UPI to make payments directly from your credit card. It’s fast, secure, and earns you rewards on eligible spends. With net banking, the mobile banking app, and UPI set up, you’re ready to use the credit card with the best rewards every day.

Important security steps
 

Once setup is done, let’s keep your card safe. Start with these basic security steps:

• Avoid using easy-to-guess PINs like birth dates or repeated digits

• Don’t share your PIN or OTP with anyone, not even if they claim to be from the bank

• Always shop on trusted websites and apps

• Enable transaction alerts in the app to monitor all activity

• If you see anything suspicious, block your card instantly using the IDFC FIRST Mobile Banking App or call customer care

The FIRST Millennia Credit Card comes with real-time alerts and instant card lock options. It’s a smart, low-interest credit card to keep your money and information safe. Stay alert and enjoy peace of mind while using the credit card with the best rewards every day.

Exploring the rewards and benefits
 

The FIRST Millennia Credit Card is packed with benefits for daily life. Let’s look at the rewards structure:

• Get 10 reward points on spends above ₹20,000 and on your birthday

• Earn 3 reward points on your regular spends (up to ₹20,000 monthly)

• Earn 1 reward points on utility and insurance spends

These reward points never expire, giving you the flexibility to redeem them whenever you want. Plus, tracking and redeeming your points is easy via the IDFC FIRST Bank Mobile Banking App:

            1. Go to ‘Credit Cards’

            2. Tap on ‘Rewards’

            3. View, redeem, or pay with points

What makes this one of the best credit cards with the best rewards is the following offers:

• 25% off on movie tickets on the District by Zomato app 

• Up to 20% off at partner restaurants

• Up to 15% off at partner health and wellness outlets

• 1% fuel surcharge waiver up to ₹200/month

• Four complimentary railway lounge visits per quarter (spend ₹20,000 in the previous month to qualify)

These benefits make your FIRST Millennia Credit Card a valuable companion for everyday expenses.

Smart ways to use your credit card
 

Smartly using the credit card with the best rewards means you get more from everyday expenses. Here are a few simple ways to do that:

• Enjoy a movie anytime with a discount

Book your movie tickets through the District by Zomato app. You get 25% off, up to ₹100 every month. It’s a fun way to save while enjoying time out.

• Save on shopping during sales

Buying clothes or electronics online? Use your card and earn 3 reward points on spends up to ₹20,000. If you cross ₹20,000, you earn 10 points. These points can be redeemed for subsequent purchases or buying gift vouchers on the FIRST Rewards platform of the IDFC FIRST Bank Mobile Banking App.

• Get cashback and points on UPI payments

Link your card to UPI for just ₹199 + GST. Make your first four UPI transactions within 15 days and get up to ₹200 cashback. You also earn 3 reward points on UPI spends, just like you do on card swipes. It’s a smart and simple way to earn every time you pay with your phone.

Every purchase brings something back, making this the credit card with the best rewards for everyday use. However, smart use isn’t just about rewards. It also helps you build a good credit history. Here’s how to do it right:

• Always pay your total bill amount by the payment due date as mentioned in the statement

• Keep track of your spends using the mobile app

• Convert large expenses or outstanding balance into easy EMIs, if needed

Paying on time helps you avoid interest charges, which in turn keeps your annual percentage rate (APR) and interest rate on the credit card low. Over time, it improves your credit score and opens up more financial options. 

Take the next step with confidence
 

You’ve got a credit card with the best rewards in your hands. It’s built to fit your lifestyle and help you save on everyday expenses. Whether it’s food, travel, shopping, or entertainment, you can enjoy exclusive perks without hassle.

Take a moment to activate your FIRST Millennia Credit Card and explore the IDFC FIRST Bank Mobile Banking App. It’s the easiest way to manage your card, view your transactions, and redeem your rewards. As you start using it regularly, you’ll notice how simple it is to save money while enjoying real benefits, such as unlocking cashback, discounts, and lounge access.