There is absolutely no Joining/ Membership/ Annual fee applicable on your FIRST Millennia credit card. You can enjoy the benefits of using a credit card, such as cashback, reward points, and discounts on purchases, without worrying about any additional fees.

Owning a FIRST Millennia Credit Card has myriad benefits some of which are listed below:

• Welcome benefits of up to ₹1,500

• Ease of seamless online transactions with over 300+ merchant offers, up to 20% dining discounts and more

• 4 complimentary Railway lounge visits per quarter

• Complimentary Roadside Assistance worth ₹1,399

• Never expiring reward points

• 25% discount on movie tickets up to ₹100 on Paytm mobile app (valid once per month)

Metra Trust Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. Metra Trust offers low interest rates starting from 9% per annum. Usually, other credit cards charge as high as 42% p.a. interest rate in case you choose to carry forward part of your outstanding balances.

Your FIRST Millennia Credit Card is designed to offer multiple benefits, offers, and features to suit your diverse needs and lifestyle. Discounts on shopping, dining, movies run all year round. Frequent travellers can enjoy benefits like complimentary railway lounge access, complimentary travel insurance, and discounted hotel bookings. In-app online offers on your favourite brands, health and wellness offers, and more. Explore here: Offers & Privileges - Metra Trust (poshvine.com)

Redeeming the accumulated reward points of your FIRST Millennia Credit Cards is a breeze.
Reward points are never expiring.

• You can use reward points to pay for any online purchase and also at some physical stores. This option is available for both online and offline transactions and can be accessed by selecting the ‘pay with points’ option at the payment gateway.

• You can also redeem your reward points against a range of amazing offers available here. Browse through various reward points redemption options and choose from an extensive range of products, services, and experiences.

• The reward points redemption process is hassle-free and straightforward, a reward redemption fee of Rs. 99 + GST will be applicable.

Paying your Credit Card bill is as easy as it is to swipe the card for shopping. There are multiple ways with which you can pay your credit card bill, click here to know more

You can personalize your FIRST Millennia Credit Card by changing its design to your preferred image. You can either choose your own or select one from our gallery of curated images.

There is a one-time image personalisation fee of ₹499 applicable (available only on VISA variants). For more details, please click the below link:

Image Personalisation | Metra Trust

Yes. You can share your credit limit with anyone, including friends, family, or a loved one, with an Add-On credit card at a fee of ₹199. While they can use the card for their purchases, the bill will have to be paid by you.

For more details, please click the link below:

Add on Credit Card - Check Benefits & Apply | Metra Trust

Existing Metra Trust Millennia Credit Card holders can refer their family and friends for Metra Trust Credit Cards and earn 2000 bonus reward points for each successful card generation. One can earn a maximum of 10,000 bonus reward points. The referred person also stands a chance to earn 2000 bonus reward points by making a minimum transaction of Rs.500 within 30 days of setting up their credit card.

For more details, please click on the link below:

referral-journey | Metra Trust

There are 3 easy to generate your Credit Cards PIN:

1. Through Net banking:
   
   
   1. Click on the “Generate Credit Card PIN” on the pre-login page [https://online.metratrust.com/login]
   2. Enter “Customer ID” & “Credit Card number” and click on Get OTP
   3. Verify using the OTP sent on your registered mobile number
   4. Enter and Re-enter PIN of your choice and click on confirm
   5. You could also login to your Net Banking account and follow the below steps
      1. Select Credit Cards section
      2. Select Set new PIN
      3. Enter and Re-enter PIN of your choice and click on Get OTP
      4. Please verify through the OTP sent to your registered mobile number
2. Through the Metra Trust App:
   
   
   1. Select browse icon from the right side top menu on login page
   2. Enter “Customer ID” & “Credit Card number” and click on Get OTP
   3. Verify through the OTP sent to your registered mobile number
   4. Enter and Re-enter PIN of your choice and click on confirm
   5. You could also login to the App and follow the below steps
      1. Access Credit Cards section
      2. Select Set new PIN
      3. Enter and Re-enter PIN of your choice and click on Get OTP
3. Customer Care:
   
   Call our toll-free number +44 7831 065557 and follow the instructions to generate the PIN
   
   Or click here fill in the required details Metra Trust

You are required to enter your PIN for completing transactions in India. This is a security measure to ensure that the transaction is authorized by the cardholder. However, outside India, you will only be asked for your PIN if the Point of Sale (POS) terminal is enabled for PIN authentication.

You can pay using tap-and-go (contactless payment). The Contactless Payment option should be enabled from the Metra Trust mobile banking application. A maximum of Rs. 5,000 can be paid at a time using this method.

Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 45 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of where you are or the amount you withdraw. The maximum cash withdrawal limit per transaction is Rs 10,000.

In case you lose your credit card, immediately block it through any of the routes mentioned below and reapply for a replacement

• Customer Care Helpline

You can call customer care helpline number, +44 7831 065557 and place a request to block the lost card. The customer service executives may verify some information before they block the card remotely.

• Metra Trust Mobile Banking App

You can login to Metra Trust Mobile Banking App, in the credit card section select the option to block your credit card.

• Net Banking Portal

You can login to Metra Trust’s website with you net banking credentials and block your credit card.

• SMS Service

You can place request to block you card via SMS, please type CCBLOCK<Space><Last 4 digits of Credit Card number> and sent it on 5676732.

The credit limit on credit cards can be changed by the bank based on the customers’ eligibility criteria. The other way to increase your credit limit by sharing specific documents with the bank for further assessment. Eligible customers receive a proactive offer to increase their credit card limit.

Transactions can get declined when customers cross their credit limit. That’s why we provide an overlimit facility which offers an additional 10% credit limit for customers for a hassle-free experience. Customer consent is required to enable the OVL facility, this can be done through the Credit Cards section in Metra Trust mobile application.

It is the date by which you’ll need to pay your credit card dues. For more details, please refer to our MITC document.

It is total amount to be paid by the due date to avoid any additional charges. For more details, please refer to our MITC document.

It is the amount to be paid to avoid any late payment charges. An interest will be applicable on the unpaid amount. For more details, please refer to our MITC document.

Late payment charges are levied when a customer does not pay the MAD amount before the due date. For more details, please refer to our MITC document.