CreditMantri Finserve Private Limited
Door No.3, Block B, No. 147, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road,Thousand Lights, Chennai, Tamil Nadu600006
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All written queries will be responded within 1 working day.
We'd love to help you through every step along the way.
All these benefits are subject to the eligibility criteria set by the bank.
Add on card Fee
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)
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
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
Return of cheque/auto debit/payment return
Rs. 250 per returned cheque/auto debit/payment return
Fee on cash payment at branches
Outstation cheque processing fee
Duplicate statement request
Card replacement Fee
Cheque or cash processing Fee
Charge Slip request Fee
Markup Charges on foreign currency transaction
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
Either of the following:
Or any other photo ID authorized by the government.
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
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.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application