IDFC First Millenia Credit Card

IDFC Millenia Credit Card is a lifetime-free credit card, most suitable for lifestyle expensesUsers get 10X reward points on spending over Rs 20,000 monthly

IDFC offers various credit cards catering to individuals' shopping and lifestyle expenses. The IDFC Millenia Credit Card is one such lifetime-free credit card provided by the bank having no annual charges or renewal charges.

Here are the major highlights and popular features of this credit card.

 

Key Highlights

IDFC Millennia Credit Card

IDFC Millenia Credit Card.png

Source : IDFC Bank Official Website

Suitability

Lifestyle Spends

Offers

10X reward points on spending more than Rs. 20,000 for a month 

Income

More than Rs. 3 lakhs p.a.

Renewal Fee

Lifetime Free

Benefits and Features of IDFC First Millennia Credit Card

The IDFC Millennia credit card benefits and features are as follows:

Reward Points

  • 10X reward points on spending more than Rs. 20,000 a month 
  • 10X Reward points on spends made on your birthday
  • 6X reward points on online purchases for spending up to Rs. 20,000 
  • 3X reward points on offline purchases for spends up to Rs. 20,000

Joining Benefits

  • Welcome voucher worth Rs. 500 on the spend of Rs. 5,000 or more in the first 30 days of generating the card. 
  • 5% cashback on transaction values of first EMI done within the first 30 days of card issue

Convenience Benefits

  • Spends more than Rs. 2,500 can be converted to EMI transactions 
  • Easy balance transfer benefits

Privileges

  • 4 complimentary railway lounge access every three months
  • Roadside assistance worth Rs. 1,399
  • 1% fuel surcharge waiver in all fuel stations
  • Accident cover worth Rs. 2,00,000
  • 25% discount on movie tickets
  • 300+ Merchant offers across different merchants

Low Charges Benefits

  • No annual fees. It is a lifetime-free credit card
  • The forex markup is at 3.5% for international transactions
  • Low rates of interest
  • Interest-free cash withdrawals

Annual Fee and Charges of IDFC Millennia Credit Card

The charges applicable are as follows-

Fee

Amount

Annual Charges

Rs. 0

Renewal Charges

Rs. 0

Late Payment Fee Applicable on IDFC Millennia Credit Card

The late payment charges of the card are-

Fee

15% of the total due outstanding

Eligibility Criteria to Apply for the IDFC Millennia Credit Card

In order to avail of this card, you need to meet the below-mentioned criteria:

Income

More than Rs. 3,00,000 p.a.

Age

Over 21 years of age

Documents Required to Apply

The crucial documents required to apply for the card are as follows:

  • ID Proof: Aadhaar, Voter ID, etc 
  • Address Proof: Aadhaar, Voter ID, Passport  
  • Income Proof: Salary slip or ITR

How to Apply for the IDFC Millennia Credit Card

he process to apply for this card online is listed below:

Step 1: Navigate to https://www.idfcfirstbank.com/credit-card/millennia

Step 2: Next, Click on ‘Apply Now’ option. 

Step 3: Fill in the application form. 

Step 4: The bank's representative will get in touch with you, and you will also get the application reference number through SMS for further completion.

Similar Credit Cards

Other similar cards to this IDFC card are:

Credit Card Name

Characteristics

Axis Bank My Wings Credit Card 

Complimentary flight tickets or base fare of flight tickets

Kotak Corporate Wealth Signature Credit Card

There are fuel and surcharge waivers on this card

Tata Croma Platinum Card

Welcome e- Gift Voucher worth Rs. 3,000 from reputed brands

HDFC Regalia First Credit Card

Welcome Benefit includes availing 1000 Reward Points

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