IDFC Bank Millennia Credit Card
IDFC Bank IDFC Bank

IDFC FIRST Bank Millennia Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: None

Renewal Fee: None

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

Check your eligibility for this card

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms & Conditions & Privacy Policy

credit card apply now

The IDFC FIRST Millennia Credit Card is a lifetime-free. It is specifically designed to offer rewards and a variety of other benefits. It caters to users who are looking for benefits across various spending categories, including shopping, dining, travel, and more. Along with these cardholders also get attractive reward structures, complimentary lounge access, and insurance benefits. Getting this credit card can enhance your overall spending experience.

Best Credit Cards in India | Check Eligibility & Apply Online

All You Need To Know

Card Type

Rewards & Travel

Welcome Benefits
  • Cashback on EMI Transactions: Enjoy a 5% cashback (up to ₹1,000) on your first EMI transaction made within 90 days of card issuance.
  • Gift Voucher: Receive a ₹500 voucher upon spending ₹15,000 within 90 days of card issuance.
Rewards Points Program
  • 10X Reward Points: On incremental spends above ₹20,000 in a billing cycle.
  • 6X Reward Points: On online purchases.
  • 3X Reward Points: On offline purchases.
  • 10X Reward Points: On transactions made on your birthday.
  • 1 Reward Point: For every ₹100 spent.
  • Note: These reward points do not expire and you can any time redeem them at a rate of ₹0.25 per point.
Travel Benefits
  • Complimentary Railway Lounge Access: This card also offers four visits per quarter to select railway lounges across India.
Dining and Entertainment
  • Dining Discounts: Enjoy up to 20% off at over 1,500 partner restaurants.
  • Movie Discounts: Users also get up to 25% off on movie tickets booked through the District app.
Health and Wellness
  • Discounts: 15% off at participating health and wellness centers.
Fuel Surcharge Waiver
  • 1% Waiver: On fuel transactions across all fuel stations in India with a waiver cap of ₹200 per month.
Insurance Benefits
  • Personal Accident Cover: Coverage of ₹2 lakh.
  • Lost Card Liability: Coverage up to ₹25,000.
  • Note: These insurance benefits are only applicable if you make at least one transaction in the last 30 days.

IDFC FIRST Millennia Credit Card Eligibility:

Eligibility Criteria of IDFC FIRST Millennia Credit Card

  • Age: Minimum 21 years.
  • Income: Specific income criteria not publicly disclosed; subject to the bank's internal policies.
  • Employment: Both salaried and self-employed individuals can apply for this credit card.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.
  • Proof of Address: Aadhaar Card, Passport, Utility Bill (not older than 3 months), or Property Registration Document.
  • Proof of Income: Latest salary slips, Form 16, or Income Tax Returns.

Note: IDFC FIRST Bank may request additional documents as per their internal policies.

Fees and charges that apply to IDFC FIRST Millennia Credit Card:

Fee / Charge Amount/Rate
Annual Fee Nil
Joining Fee Nil
Interest Rate Ranges from 0.75% to 3.5% per month
Foreign Currency Markup 1.5% on all international transactions
Cash Advance Fee ₹199 per transaction
Reward Redemption Fee ₹99 plus GST per redemption request
Fuel Surcharge Waiver 1% waiver on fuel transactions across all fuel stations in India, up to ₹200 per month.
Late Payment Charges 15% of the total amount due, subject to a minimum of ₹100 and a maximum of ₹1,250
Over Limit Penalty 2.5% of the over-limit amount
Card Replacement Fee ₹100
Add-on Card Fee Nil
Minimum Repayment Amount 5% of the outstanding balance

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

Apply for IDFC FIRST Millennia Credit Card

Apply Now
apply card image

FAQs

This credit card has no joining fee; it is a lifetime-free credit card.

This credit card has attractive rewards and benefits. Cardholders earn 10X reward points on spending of more than ₹20,000, 6X on online purchases, 3X on offline purchases, and 10X on all transactions you make on your birthday.

The IDFC FIRST Millennia Credit Card has an interest rate ranging from 0.75% to 3.5% per month. It might vary depending on the credit profile of the cardholder.

Yes, with the IDFC FIRST Millennia Credit Card cardholders get 1% fuel surcharge waiver. But this waiver has a cap of ₹200 per month.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for IDFC FIRST Wealth Credit Card on
mybankingtips.com

Apply Now

Idfc Bank Credit Cards

Credit Card by Banks

Related Articles

Best Credit Cards For