Welcome Benefits :- 

• You get a gift voucher worth ₹500 as an introductory benefit on spending ₹5,000 or above within 30 days of card issuance.

• Also, you get a 5% cashback on EMI transactions up to ₹1,000 within 30 days of card issuance using this credit card.

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Rewards & Benefits :- 

Movie & Dining

Up to 20% discount on more than 1,500 Restaurants across India. Avail 25% discount on movie tickets once a month on the Paytm app (up to Rs. 100).

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Rewards Rate

3 Reward Points on each offline spend of Rs. 150, 6 RPs per online spend of Rs. 150, and 10 Rewards on every Rs. 150 on spends above Rs. 20,000.

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Reward Redemption

1 Reward point = ₹0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

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Travel 

Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.

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Domestic Lounge Access

N/A

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

Nil

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

1.99% 

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Interest Rates

Ranges between 0.75% to 3.5% per month based upon the credit history of the individual

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Fuel Surcharge

1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 200.

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Cash Advance Charges

Rs. 199 per transaction

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Product Details :- 

• Zero annual fee credit card.

• Comes with never-expiring reward points.

• 10x Reward Points on spends of Rs 20,000 and above.

• 10x Reward points on all spend done on your birthday.

• 3X reward points on all online and offline spends.

• Interest rates start at 0.75% per month.

• Complimentary Railway lounge access 4 times in a quarter.

• Complimentary roadside assistance worth Rs. 1399

• Personal Accidental Cover worth Rs 2 lakh on all active cards.

• Fuel surcharge waiver on all fuel purchases up to Rs. 200 per month.

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Pros/Cons :-

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Pros

• With this card, you get complimentary railway lounge access which is highly beneficial for domestic travellers who prefer to travel by railways.

• This card has a great advantage as it is a lifetime free card.

Cons

• You won’t be provided with any domestic or international lounge access with the IDFC First Millennia Credit Card.

• There is a reward redemption fee of Rs. 99 with this card.