Credit Score powered by our Bureau Partners ® |
CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
Have any queries? Click here for more details
All written queries will be responded within 1 working day.
We'd love to help you through every step along the way.
Features
Pricing
Documents Required
Welcome Benefits:
All these benefits are subject to the eligibility criteria set by the bank.
Joining Fee | Nil |
Annual Fee | Nil |
Add on card Fee | Nil |
Interest rate on cash advances, purchases, and outstanding balances due | Monthly Rate - 0.75% - 3.5% Annual Rate - 9% - 42% |
Overdue Interest (will be charged if you don’t pay the minimum amount due by the payment due date) | Monthly Rate - 3.99% Annual Rate - 47.88% |
Cash advance transaction fees (Certain international outlets or ATMs allow the conversion of international currency to INR at the time of withdrawal or sale. Then the cash advance transaction fee may include any charges levied by the service provider) | Rs. 250 |
Reward Redemption Fee | Rs. 99 per redemption transaction effective from 1st October, 2022 |
Over Limit Fee | 2.5% of the over limit amount subject to a minimum charge of Rs. 500 |
Foreign currency Markup Fee | 3.5% |
Late Payment Fee | 15% of the due amount (Subject to a minimum of Rs. 100 and a maximum of Rs. 1250) |
International and Domestic Cash Advance Fee | Rs. 250 per transaction |
Foreign Currency Markup Fee | 3.5% |
Return of cheque/auto debit/payment return | Rs. 250 per returned cheque/auto debit/payment return |
Fee on cash payment at branches | Nil |
Outstation cheque processing fee | Nil |
Duplicate statement request | Nil |
Card replacement Fee | Rs. 100 |
Cheque or cash processing Fee | Nil |
Charge Slip request Fee | Nil |
Markup Charges on foreign currency transaction | 3.5% |
EMI Fees | 1% of the transaction value (minimum Rs. 99) |
Fuel Surcharge Waiver | Rs. 200 per statement cycle on FIRST Millennia Credit Card |
Good and Service Tax | The GST rate is 18% currently as set by the government of India. It is applicable on all fees, interest, and other charges. It is subject to change. |
Address Proof | Either of the following:
|
Identity Proof | Either of the following: Or any other photo ID authorized by the government. |
Income Proof |
|
1. Online Through the CreditMantri website
2. Online Through The Bank’s Website
3. OfflineYou can apply for the credit card offline by visiting the bank’s branch and submitting an application form, calling customer care, sending an SMS, through mobile app, etc.
1. Through Netbanking or debit card: IDFC Bank offers efficient net banking services to help you pay your credit card bills easily from anywhere and anytime. You can use any bank account to pay through net banking or debit cards.
Simple steps to pay via for IDFC First NetBanking App Users
Easy steps to pay via net banking for IDFC First Bank Mobile Banking (Old) App Users
2. UPI
3. IMPS/NEFT payments
You can make instant payments via IMPS/NEFT by entering the mentioned payee/beneficiary/receivers details:
4. Other payment option
1. What is the credit limit for a First Millennia Credit Card?
The credit limit for First Millennia credit cards depends upon your income and CIBIL ™ score. There is no specific limit for the First Millennia credit card. It is entirely based on your credit score and the repayment history. If you have maintained a good credit score and have a stable and high income, you will be able to get a higher credit limit.
2. How to redeem reward points for IDFC First Bank credit cards?
Go to the IDFC First Bank reward redemption portal and log into it with your registered mobile number. Post logging in, you can see the reward points on the homepage. Click on “Redeem Points” to begin the redemption process.