Reward Program

Your reward points, Yours to keep forever!
Easy to earn, Easy to redeem!

• 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday.
• 3X Reward Points on applicable online & offline purchases for spends up to ₹20,000 per month.
• Unlimited Reward points that never expire.
• Use Reward points to instantly pay for online or in-store purchases.
• 1X Reward Points on Insurance premium payments and Utility bill payments.

1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25 Reward redemption will attract a small convenience charge of ₹99 (+ GST) per redemption. Reward program not applicable on Fuel, EMI transactions & Cash withdrawals. Categories not a part of 10x Threshold- Rental & Property management transactions, Utility, Insurance, Education, Wallet Load & Government Services.

Benefits & Privileges

First-in-class features.
Designed to delight, year after year.

1.Joining Benefits

• Welcome voucher worth ₹ 500 on spending ₹ 5000 or more within 30 days of card generation.
• 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation.

2.Privileges

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• 25% discount on movie tickets up to ₹100 on Paytm mobile app (valid once per month).
• 4 complimentary Railway lounge visits per quarter.
• Complimentary Roadside Assistance worth ₹1,399.
• Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month
*Applicable only on transaction values between ₹200 & ₹5000
• 300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets
• Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000.
*valid on doing atleast one transaction on FIRST Millennia Credit Card in last 30 days.

3.Convenience

• Convert all transactions* above ₹2,500 into easy & convenient EMIs from your mobile app.
• Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page.
• Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*.
*Eligibility norms apply