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IDFC Bank First Millennia Credit Card

17.5

Rewards & Benefits

Welcome Benefits

Users will get a gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months and 5% cashback (up to Rs1000) on the transaction value of the first EMI done within 90 days of card generation.

Milestone Benefits

Cashback Rate

  • Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25.

  • 3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%. 

  • 10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%.

  • 1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.

Movie Benefits

25-75% on movie tickets every month, and Upto 25% across 1,500 restaurants.

Dining Benefits

Other Benefits

Lounge Access

Fees & Charges

Joining Fee

INR 0

Annual Fee

INR 0

Cash Advance Fee

Cash withdrawal fee - INR 199

Interest rate

0.75% - 3.5%. Annual Interest Rate - 9% - 42%

Late Payment Fee

Late payment fee: 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250).

Foreign Currency Transactions Fee

Forex Mark up - 3.5%

Other Fees

Fuel Surcharge: 1%, waived upto INR 200 per statement cycle. | Redemption fee: INR 99

दोष


  • Low effective cashback rate of 0.25%. 

  • Some benefits are only provided on premium variants of the card.

  • Card provides limited offers and value add services to its users in comparison to other cards.

  • Welcome Benefits: Users will get a gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months and 5% cashback (up to Rs1000) on the transaction value of the first EMI done within 90 days of card generation.

  • Reward System: Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25. 3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%. 10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%. 1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.

  • Complimentary airport lounge and golf access. 

  • 25-75% on movie tickets every month, and Upto 25% across 1,500 restaurants. 

पक्ष विपक्ष
Welcome Benefits

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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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Eligibility Criteria

Age: 21 years & above.
Indian resident with permanent residential address.
Annual Income of INR 3 Lakh or more.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

Here are the steps on how to apply for an IDFC First Millennia Credit Card:

  • Visit the IDFC First Bank website and click on the "Apply for Credit Card" tab.

  • Select the IDFC First Millennia Credit Card from the list of cards.

  • Enter your personal details, such as your name, address, and contact information.

  • Enter your employment details, such as your employer's name and your salary.

  • Enter your income details, such as your monthly income and your annual income.

  • Upload a copy of your PAN card and a recent passport-size photograph.

  • Submit your application.

  • IDFC First Bank will review your application and get back to you within 7-10 working days. If your application is approved, you will receive your credit card within 2-3 weeks.

सम्पर्क करने का विवरण

Toll Free No: 1860 258 2000
Whatsapp banking (for registered Nos): Numbers to connect: 95555 55555
Email us at Banker@idfcfirstbank.com

खाता खोलने की प्रक्रिया और प्रक्रिया

विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome Benefits: Users will get a gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months and 5% cashback (up to Rs1000) on the transaction value of the first EMI done within 90 days of card generation.

  • Reward System: Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25. 3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%. 10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%. 1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.

  • Complimentary airport lounge and golf access. 

  • 25-75% on movie tickets every month, and Upto 25% across 1,500 restaurants. 


  • Low effective cashback rate of 0.25%. 

  • Some benefits are only provided on premium variants of the card.

  • Card provides limited offers and value add services to its users in comparison to other cards.

IDFC First Millenia Credit Card is a feature rich card. However, it is most suitable for people who are students or have just started earning. It has a very low cashback rate and it lacks lot of premium features.

IDFC First Millenia Credit Card is a feature rich card. However, it is most suitable for people who are students or have just started earning. It has a very low cashback rate and it lacks lot of premium features.
Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

उत्पाद समीक्षा
फीस एवं प्रभार

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Billing Cycle

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