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Features
Welcome benefits
- Voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of card setup
- 5% cashback (up to Rs. 1,000) on the transaction value of first EMI done within 90 days of card setup
Cashbacks & Rewards
- 10X Reward Points on every Rs. 150 spent on spends above Rs. 20,000 per month and spends done on your birthday
- 6X Reward Points on every Rs. 150 spent on online shopping for spends upto Rs. 20,000
- 3X Reward Points on every Rs. 150 spent on offline shopping for spends upto Rs. 20,000
- (1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25)
- 25% discount on movie tickets up to Rs. 100 on PayTM mobile app (valid once per month)
- 4 complimentary Railway lounge visits per quarter
Pricing
- No annual fee. Lifetime Free Credit Card
Documents Required
- Depending on offer generated all offers have a no- document option along with below offers
- Card statement (card vintage more than 12 months) for Salaried and Self-employed
- Last 6 months bank statement (salary account) for Salaried
- Latest ITR with 3 months Bank statement for Self-employed
Overview of IDFC FIRST Millennia Credit Card
The IDFC First Millennia Credit Card is a lifetime free credit card that comes with no joining fees. This card helps you earn more than 10 times your actual spending. The reward points you earn through the credit card have no expiry date. The good part is that there is no cap on the reward points you earn.
The IDFC First Millennia credit card comes with various lifestyle benefits that include discounts on movies, railway lounge access, roadside assistance, and brand offers that accompany the rewards program. Although the card comes without any joining fees, it offers various benefits worth Rs. 1,500, which is quite exceptional for a card of this type. You will receive overall returns for the card by maximizing your savings by spending beyond the monthly limits to unlock 10x rewards.
How To Apply For HDFC Credit Card?
Quick Links To Handle Your HDFC Bank Credit Card
Key Highlights of the IDFC First Millennia Credit Card
- Rs.500 welcome gift voucher from your favorite brand.
- Get 25% off upto Rs. 100 on movie tickets
- 20% off on more than 1500 restaurants.
- 15% off on more than 3000+ Health and Wellness outlets.
- Get 1% fuel surcharge waiver up to Rs.200 every month.
- Convert all transactions above Rs.2,500 into comfortable EMI options.
IDFC FIRST Millennia Credit Card Benefits
The following are some of the credit card benefits that comes with the IDFC First Millennia Credit Card. They are:
Pros
- LifeTime Free Credit Card: This card is a life-time free credit card. There is no joining fees or annual fees associated with the card.
- Reward Points:
- 3 times reward points on various online and offline purchases.
- Reward points do not expire
- Welcome/Joining Offers:
- Good welcome joining offer.
- Travel and Lounge Benefits:
- The card comes with various travel and lounge benefits with 4 complimentary railway lounge access and complimentary roadside assistance.
- Lifestyle and Entertainment Benefits:
- 25% Discount on Movie tickets, merchant offers, discounts on restaurants and health and wellness packages.
- Fuel surcharge waiver at designated petrol pumps.
- Insurance Benefits:
- Personal insurance coverage of Rs.2,00,000 and lost liability coverage of Rs.25,000.
- ATM Cash Withdrawals:
- Free interest-free overseas cash withdrawals from ATMs for upto 45 days.
Cons
- Limited fuel surcharge waiver ranging from Rs.400 to Rs. 2000.
- Complimentary lounge access is restricted only to Railway Lounges.
IDFC FIRST Millennia Credit Card Fees & Charges
Fees | Charges |
|---|---|
Joining/Annual Fee | Nil |
Add-on Card Joining/Annual Fee | Rs.499 |
Interest Charges | From 8.5% to 46.2% p.a |
Cash Withdrawals (Across Domestic and International Transactions) Upto 45 days | 0% Interest |
Cash Withdrawal After 45 days | Rs.199 + GST per transaction |
Late Payment Charges | 15% of total amount due deducting the payment received. (Minimum Rs.100 to Maximum Rs.1300) |
Over-Limit Charges | 2.5% of the overlimit amount (subject to the minimum of Rs.550) |
Reward Redemption Fee | Rs.99 per redemption transaction |
Card Replacement Fee | Rs.199 |
Foreign Exchange Markup Fees | 3.5% |
IDFC Millennia Credit Card Rewards Program
Welcome Offer:
- Rs.500 gift voucher in your favorite brand.
- Rs.1000 cash back on your first EMI
- Get your first digital RuPay credit card issued for UPI instantly.
- Earn reward points as the credit card is linked to UPI payments.
- No Joining fee for the first year.
- Joining fee and Annual fee of Rs.199 + GST from 2nd year onwards.
- 100% cashback up to Rs.200 (Rs.50 on the first 4 UPI transactions)
- Cashback will be credited within 60 days of the card generation date.
- Earn up to 3 times your reward points on your UPI spends of Rs.2000.
- Earn 1 time reward point on UPI spends below Rs.2000.
- Earn 1 time reward point on utility and insurance payments.
- Common reward account for digital credit card and existing IDFC First Bank credit card.
Privileges with First Millennia Credit Card
Movie Tickets:
- Get 25% off upto Rs. 100 on movie tickets that are booked through Distict By Zomato app every month.
Fuel Surcharge Waiver:
- Get 1% fuel surcharge waiver up to Rs.200 every month on transactions between Rs.200 and Rs.5000.
- Maximum Fuel Surcharge Waiver is Rs.200
Merchant Offers:
- 20% off on more than 1500 restaurants.
- 15% off on more than 3000+ Health and Wellness outlets.
Railway Lounge Access:
- Enjoy 4 complimentary railway lounge access in a calendar quarter to various participating lounges in India.
Road-Side Assistance:
- Complimentary roadside assistance for 4 times in a year worth Rs.1399 on your IDFC Millennia credit card.
- Get in touch with the toll-free number of the IDFC bank at 1800 572 3860 to avail the Emergency Roadside Assistance.
Insurance Benefit:
- Card Liability Coverage of Rs.25,000. Individuals should have done a Purchase/ATM usage during the last 30 days.
Personal Accident Coverage:
- Covers accidental death or permanent disability insurance coverage of Rs.2,00,000.
Credit Shield:
- Covers the expenses incurred by the cardholder in the event of accidental death to a maximum amount of Rs.50,000.
Unforeseen Events:
- Purchase protection coverage of Rs.25,000 in case of burglary, fire accidents, and various perils.
Other Benefits:
- Instant EMI conversion of any online purchases of above Rs.2500.
- Low interest rates starting at 8.5%p.a.
- Interest free cash withdrawals from ATMs for 45 days. Travel Benefits:
- Use the IDFC First Bank mobile app to do the flight and travel bookings and earn reward points.
- Bonus 50 reward points on every Rs.150 spent on hotel bookings.
- Bonus of 20 reward points on every Rs.150 spent on travel bookings.
- Reward points accrued is done at the redemption rate of 1 reward point = 0.25 paise.
- Reward points can be redeemed upto 70% of the reward points, the rest needs to be paid through the IDFC First Bank Card.
- Monthly capping on redeemable reward points is restricted to monthly Rs.1,00,000 and yearly Rs.2,00,000.
Insurance Coverage: Zero card liability coverage in case of loss of card.
IDFC FIRST Millennia Credit Card Eligibility Criteria
The following are some of the IDFC First Millennia Credit Card eligibility criteria that needs to be met. They are:
- Age: Above 21 years old.
- Annual Income of Rs.3,00,000 and more.
Documents Required
The following are the list of documents required to apply for the IDFC First Millennia Credit Card. They are:
- Address Proof: Passport, Voters ID card, Ration Card, Aadhar Card
- Identity Proof:Driving License, Aadhar Card, Passport
- Income Proof: Form 16, IT Returns, Salary Slips
How to Apply for IDFC FIRST Millennia Credit Card?
You can apply to the IDFC First Millennia Credit Card either through the offline or online mode.
Offline Mode:
- Visit the nearest IDFC First Bank.
- Meet the customer representative and explain that you are interested in the IDFC First Millennia credit card.
- Submit the required documents as required.
- The bank will find whether your required eligibility criteria are met.
- Once they are met, the card will be send to your mailing address.
Online Mode:
- Visit Official IDFC FIRST Bank Website
- Go to the Cards section
- Select the IDFC First Millennia credit card.
- Fill in the required details for the credit card.
- Upload the ID proof, Address proof, and Income proof.
- Click Apply
- Once the eligibility criteria is met, you will be allotted the card as per requirements.
FAQs
1. Is the IDFC FIRST Millennia Credit Card free for life?
Yes, IDFC First Millennia Credit Card is a lifetime free credit card with no joining fees and annual fees.
2. What is the eligibility for the IDFC First Millennia Credit Card?
The eligibility criteria for the IDFC First Millennia credit card are that the individual needs to be 21 years of age with an annual income of Rs. 3,00,000.
3. What is the credit limit of the IDFC Millennia Credit Card?
The credit limit for the IDFC First Millennia credit card is determined based on your monthly income and credit profile.
4. Does IDFC Millennia offer cashback or reward points?
It offers reward points three times on your regular purchases, 10 times on purchases above Rs. 20,000, and on birthdays.
5. How can I redeem IDFC FIRST Millennia Credit Card rewards?
You can redeem the IDFC First Millennia credit card reward points for various gift vouchers, products, or to repay your outstanding card balance. The card’s reward points are exchanged at a rate of 0.25 paise per reward point.
6. Does the IDFC FIRST Millennia credit card offer insurance coverage to its cardholders?
Yes. The IDFC First Millennia credit card offers personal insurance coverage of Rs. 2,00,000 and lost card liability coverage of up to Rs. 25,000. The card also provides accidental death coverage of Rs. 50,000.
7. Name some travel benefits that you get from the IDFC First Millennia credit card?
You will get four complimentary railway lounge accesses per quarter and roadside assistance coverage.
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Given that this type of data may change over time, we cannot guarantee the accuracy of the information supplied or included within it. It is anticipated that the user will confirm with the relevant source before making any choices or taking any actions.
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