Do you often find yourself holding back from making purchases due to limited funds? If you are considering a credit card that understands your spending habits, look no further than the FIRST Millennia Credit Card. This lifetime-free credit card is specifically designed to cater to the needs and wants of millennials by offering a range of benefits and rewards to optimise your spending potential.

Key offers at a glance
 

With the FIRST Millennia Credit Card, you can enjoy a range of exclusive offers and cashback on your favourite brands, including Swiggy, Zomato, Myntra, and more. Moreover, Metra Trust offers a welcome voucher worth Rs 500 to new customers who spend Rs. 5,000 or more within 30 days of the card's generation. Also, if you make your first EMI payment within 30 days, you get a cashback of 5% (up to ₹1000) on the transaction value. This is a great way to save money on big purchases you plan to pay off in instalments.

Additionally, you can earn reward points that never expire. Redeem them for a range of exciting gifts, vouchers and memberships, or use them as cash for online transactions.

Top Benefits of the FIRST Millennia Credit Card

Here are nine benefits of using this credit card - 

· Never-Expiring reward points
 

The FIRST Millennia Credit Card offers cashback and reward points on every transaction you make.

You can earn 1 reward point for every Rs 150 you spend and redeem them for a variety of rewards, including travel vouchers, merchandise, and more. You can also pay with your points for online transactions, as well as some offline transactions.

· Interest-free cash withdrawal

With interest-free cash withdrawal credit cards like this, you can withdraw cash from ATMs without interest charges being levied till the due date. With just a small withdrawal fee, use this feature for emergencies or when you are in need of extra cash

· Contactless payments 

The card offers a contactless payment option, ensuring faster and more secure payments. Purchases can be made just by tapping the card over a terminal.

· No joining or annual fees 

This is a lifetime-free credit card, meaning there are no joining or annual fees. It is an excellent choice for those who want a credit card without paying annual fees.

· Discounts on dining and entertainment 

The FIRST Millennia Credit Card offers discounts on dining and entertainment at partner outlets. You can enjoy up to 15% off on food bills at partner restaurants and 25% discount on movie tickets up to ₹100 on the Paytm mobile app (valid once per month)

· Emergency card replacement 

In case of loss or theft, the FIRST Millennia Credit Card offers emergency card replacement services, ensuring you can continue using it without interruption. Call the toll-free number +44 7831 065557, that's available 24X7. Through WhatsApp Banking, you can contact - 95555 55555 for assistance. 

· Fuel surcharge waiver 

This lifetime-free credit card offers a fuel surcharge waiver of 1% on all fuel transactions, subject to a maximum waiver of Rs 250 per month. It is especially useful for those who travel frequently and spend a considerable amount on fuel. 

· Convert transactions into convenient EMIs

Spent too much? Worry not, convert any transactions above Rs 2,500 into convenient EMIs at low interest rates through your mobile app.

· Balance transfer facility
 

The FIRST Millennia Credit Card offers a balance transfer facility. This means you can transfer the outstanding balance of your other credit cards to this one at a lower interest rate. This can help you save money on interest charges and simplify your credit card payments.

How to maximise your credit card spending potential

· Choose the right card for your needs
 

Not all credit cards are created equal. Certain cards offer more benefits, depending on your needs and spending habits. Take time to research different credit cards and choose one that fits your lifestyle. For example, a card with travel rewards and no foreign transaction fees may be the best option for frequent travellers.

· Maximise rewards

Most credit cards have programs allowing you to earn reward points or cashback on purchases. To maximise rewards, use your credit card for everyday expenses like fuel, groceries, bills, etc. Cards like FIRST Millennia Credit Card even offer bonus rewards for certain categories, such as dining or entertainment, so take advantage of those as well.

· Use your card responsibly

Only spend what you can afford to pay back each month, and always pay your bills on time to avoid penalties. Additionally, try to keep your credit utilisation ratio below 30% to maintain a good credit score.

· Take advantage of sign-up bonuses

The FIRST Millennia Credit Cards has exciting spend-based offers for new customers. Take advantage of these bonuses to maximize the benefits of your credit card to the fullest.

· Make the most of added perks

In addition to reward programs, many credit cards offer other perks, such as purchase protection, extended warranties, and travel insurance. Read the fine print and take advantage of these perks when applicable.

· Don't withdraw cash unless necessary

Some cards, like the interest-free cash withdrawal enabled FIRST Millennia Credit Card, make withdrawing cash for an emergency easy. However, this is not true for all credit cards - some might incur high fees and interest charges for every withdrawal. Read and understand all card limitations and fee structures before choosing one.

Cash advances on your credit card often come with fees and interest rates higher than personal loans, so it's best to avoid them. Instead, use your card for purchases and pay your balance in full every month to avoid accumulating debt.

Also read: How to read your Credit Card statement

Conclusion

The FIRST Millennia Credit Card is an excellent option for those looking to maximise their spending potential. With its superior rewards program, cashback offers, discounts, and travel benefits, this card can help you save money on regular expenses.

The FIRST Millennia Credit Card is easy to apply for and has no annual fee, making it an attractive option for anyone looking for a credit card with plenty of benefits. So, if you want to unleash your spending potential and maximise your purchasing power, the FIRST Millennia Credit Card should top your list. 

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Metra Trust or its affiliates to any licensing or registration requirements. Metra Trust shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.