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Credit Card
How to make purchases rewarding with the FIRST Millennia Credit Card
Key Takeaways
The FIRST Millennia Credit Card is a shopping credit card that offers additional benefits on your purchases.
- You can earn accelerated reward points and redeem them instantly for online or offline spends.
- The card also offers joining benefits, an EMI conversion facility, and complimentary insurance.
- You can enjoy discounts on lifestyle spends, too, like movie ticket bookings, dining out, and fuel transactions.
Rent, grocery purchases, utility bills, lifestyle expenses - the list goes on. While you cannot avoid everyday purchases, you can make them more rewarding with the right shopping credit card.
The FIRST Millennia Credit Card by IDFC FIRST Bank is one such card that can make your purchases more rewarding. Designed for the lifestyle choices of millennials, the FIRST Millennia Credit Card comes with accelerated reward points, discounts, and other privileges. These perks add more value to your purchases every time. Let’s understand how.
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Benefits of the FIRST Millennia Credit Card
Here is how the FIRST Millennia Credit Card rewards your purchases-
1. Accelerated reward points
Earn 3X reward points on all online and offline spending up to ₹20,000 in a billing cycle. If your spending exceeds ₹20,000, the reward points increase 10X. For insurance and utility payments, you earn 1X reward points.
The reward points do not expire and you can redeem them instantly for online or in-store purchases to save on your bills.
2. Joining benefits
If you spend ₹5,000 or more within 30 days of card generation, you earn a welcome voucher of ₹500. You also get 5% cashback, up to ₹1,000, on the first EMI transaction value within the first 30 days.
3. Travel perks
You can enjoy four complimentary railway lounge visits every quarter and free roadside assistance all over India, up to 4 times a year, if your car breaks down on road trips.
4. Lifestyle benefits
Get a 25% discount, up to ₹100, on movie ticket bookings through the District app by Zomato every month. Also get a 1% fuel surcharge waiver, up to ₹200/month, at all fuel stations on transactions between ₹200 and ₹5,000.
The card also offers 300+ merchant offers throughout the year, including up to 20% discounts at 1500+ restaurants and up to 15% at 3000+ health and wellness centres. You can also explore credit card offers on Apple to buy your favorite iPhone on EMI and enjoy exclusive discounts with your IDFC FIRST Bank credit card.
5. Easy EMIs
Have you purchased more than you can pay? Don’t worry, as the FIRST Millennia Credit Card offers you easy EMIs for offline or online credit shopping. Convert your purchases exceeding ₹2,500 into affordable EMIs instantly.
That’s not all! There’s complimentary personal accident cover worth ₹2,00,000 and lost card liability cover worth ₹25,000 to protect you against unforeseen eventualities.
Maximising the benefits of the FIRST Millennia Credit Card
While the card offers several perks, learn how to make the most of your FIRST Millennia Credit Card benefits
Here are some tips that can help -
- Use the card for most of your spends to maximise the reward points
- Unlock the discounts when shopping at partner outlets, dining out and even on movie tickets
- Enjoy exciting joining benefits by using the card and meeting the eligibility criteria within 30 days of card issuance
- Opt for the UPI-enabled version of the card to maximise the benefits of UPI payments too
Elevate your lifestyle, one transaction at a time
The FIRST Millennia Credit Card is designed to help you save on the most common transactions. Whether you’re buying fuel, eating out, shopping, or socialising, you can unlock more value by following these smart tips to maximise your Millennia Credit Card rewards.
Use the EMI facility for high-value credit shopping and repay your bills affordably. With a good repayment history and smart usage of the shopping credit card, you can also build your credit score. A win-win, isn’t it?
So, apply for the card and unlock the benefits.
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.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.
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