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https://www.idfcfirstbank.com/credit-card/ntb-diy/apply
Why We Picked It?
IDFC Bank has launched the FIRST Millennia Credit Card to provide cash backs on shopping and interest free credit for 48 days in India and internationally at the time of need. The card is completely free and has no annual or joining fee making it even more attractive.
Pros & Cons
- Interest free cash withdrawal for 48 days.
- No annual fee.
- No joining fee.
Cons
- Convenience fee of INR 99 + GST on redemption of reward points.
Features:
Welcome Benefits: Voucher of INR 500 on spending INR 15,000 within 90 days of activating the card.
Cash Back: 5% cash back to the maximum of INR 1,000 equivalent to the transaction value of first EMI done within 90 days of card generation.
Cash Back:
- 6 reward points on every INR 150 spent online and 3 reward points on every INR 150 spent offline spent below INR 20,000 a month.
- 10 reward points on every INR 150 spent above INR 20,000 a month and the same will be applicable on the birthday of the user.
- 1 reward point = INR .25
- reward points are without any upper limit and one can accumulate as many.
- 3 reward points on the payment of rent will be an independent category.
- There is a convenience fee of INR 99 + GST on redemption of reward points.
Interest Free Cash Withdrawals:
Cash withdrawals without interest on domestic and international ATMs for up to 48 days. There will be a cash advance fee of INR 250 per transaction.
Forex Markup:
3.5% for all international transactions
- Groups
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Credit Card
uvankarthik wrote:No
Beeter than axis Flipkart card?
uvankarthik wrote:No
Beeter than axis Flipkart card?
uvankarthik wrote:for online shopping ?
Suggest good card
I have Amazon and FK cards
uvankarthik wrote:First Select is better than this. I have applied for it. Let's see.
Suggest good card
I have Amazon and FK cards
Rohit80555 wrote:
I have applied it .. Received 500 Amazon voucher for spending 15000 + 2250 Referral bonus + Applied add on card for spouse.. it's also approved , will receive it by next week... For that also after spending 500 rupees cashback) Voucher... Also it's life time free.. So I will get approximately 3000 rupees benifit.. And life time free card .
2250 how can u pm me?
Rohit80555 wrote:wow so great bro - 😊
I have applied it .. Received 500 Amazon voucher for spending 15000 + 2250 Referral bonus + Applied add on card for spouse.. it's also approved , will receive it by next week... For that also after spending 500 rupees cashback) Voucher... Also it's life time free.. So I will get approximately 3000 rupees benifit.. And life time free card .
Don't forget the movie ticket benefits on PayTM.
Rohit80555 wrote:
I have applied it .. Received 500 Amazon voucher for spending 15000 + 2250 Referral bonus + Applied add on card for spouse.. it's also approved , will receive it by next week... For that also after spending 500 rupees cashback) Voucher... Also it's life time free.. So I will get approximately 3000 rupees benifit.. And life time free card .
Bro can you mention all process?
I mean after VKYC any physical verification? total time etc?
I just applied for it.
Spanjaykumar wrote:Yes they are doing physical KYC also after doing video KYC. ...Bro can you mention all process?
I mean after VKYC any physical verification? total time etc?
I just applied for it.
I am staying in Chennai, the person who came for KYC only asked me where I am staying, not able to find my address.... Something like that I was not able to understand what he is saying (Tamil)..... He was not able to speak Hindi/English properly....
I was waiting for him for to come....
But he has not visited for verification, and updated in records KYC done...
And in next week I received card..
Rohit80555 wrote:After reading your message I was inspired to apply for this credit card. I received my card today. Can you please tell me how the IDFC FIRST referral programme works? Also, how did you meet the 15000 spend target? I can't think of any big ticket transactions, do you have any suggestions?
I have applied it .. Received 500 Amazon voucher for spending 15000 + 2250 Referral bonus + Applied add on card for spouse.. it's also approved , will receive it by next week... For that also after spending 500 rupees cashback) Voucher... Also it's life time free.. So I will get approximately 3000 rupees benifit.. And life time free card .
NeoM wrote:If you will join Banksathi app from referral link you will get 300 instant cash.. + I have referred myself for credit card and applied from my link and earned approx 2000/2100.
After reading your message I was inspired to apply for this credit card. I received my card today. Can you please tell me how the IDFC FIRST referral programme works? Also, how did you meet the 15000 spend target? I can't think of any big ticket transactions, do you have any suggestions?
I have bought 9600 rupees 24K Gold coin of 2 gm on Ajio website..
And added 5000 rupees on Paytm and earned 100 cashback in Paytm wallet and paid 5117 for that .
They have already paid 500 Amazon voucher ..
+ Added add on card for spouse... Hope will get 500 for that card too..
Rohit80555 wrote:That's awesome. Were you paid ₹2000 per lead by Banksathi? Is Banksathi reliable when it comes to confirming the cashback?
If you will join Banksathi app from referral link you will get 300 instant cash.. + I have referred myself for credit card and applied from my link and earned approx 2000/2100.
I have bought 9600 rupees 24K Gold coin of 2 gm on Ajio website..
And added 5000 rupees on Paytm and earned 100 cashback in Paytm wallet and paid 5117 for that .
They have already paid 500 Amazon voucher ..
+ Added add on card for spouse... Hope will get 500 for that card too..
NeoM wrote:I have not recommended to any third person..
That's awesome. Were you paid ₹2000 per lead by Banksathi? Is Banksathi reliable when it comes to confirming the cashback?
I have downloaded it and refered my own / same no via text msg and what's app..
And joined by using that link..
I have opened saving account for me and spouse , and applied for one idfc credit card... For that they paid me near about 2500 rupees..
We need to do--- add Customer details like name, pan card , mobile no.... Initially they will send msg to customer for verification after that they will show you eligible product for that customer...
Then you can refer them as per their intrest...
Now customer has to click on link and have to apply for product... Then our role is over... They will track and credit it in wallet... You can transfer it in Bank.. after diduction of 5% tds.

aniban047563 wrote:It gave me 2000 cash bonus via Bank sathi + 500 Amazon Voucher+ 500 cashback for spending 15000 + 500 for add on card spouse+ it's life time free...
Useless card now


card received today
My pincode not showing. Any tricks to get
Waste
I opened senior citizen sb account 25k minimum AMB few months ago and got visa platinum ( hoping for rupay platinum) only consolation was monthly sb interest credit. Left it alone. They sent a mail that themselves 88k approved email + no docs etc. Clicked it & instantly digital card was approved( I put auto pay in full debit from my IDFC saving ac)and was showing in app. In app enabled contact less + ecom and placed a order in Ajio for 2500 just to check. Went through. Now working for 15000 target spend last 2 weeks. (90 days). I have higher limits in inIndusind. But email to approval and onboarding with in 30 minute's. No phone calls etc was impressive. . Physical card via bludary arrived in a, few days lifetime free😀
Rohit80555 wrote:
I have applied it .. Received 500 Amazon voucher for spending 15000 + 2250 Referral bonus + Applied add on card for spouse.. it's also approved , will receive it by next week... For that also after spending 500 rupees cashback) Voucher... Also it's life time free.. So I will get approximately 3000 rupees benifit.. And life time free card .
what's the referral bonus of 2250?

I am staying in Chennai, the person who came for KYC only asked me where I am staying, not able to find my address.... Something like that I was not able to understand what he is saying (Tamil)..... He was not able to speak Hindi/English properly....
I was waiting for him for to come....
But he has not visited for verification, and updated in records KYC done...
And in next week I received card..