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Application for idfc first bank first millennia credit card

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Annual Fees
Free
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Joining Fees
Free
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Recommended Credit Score
700
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What is the IDFC FIRST Millennia Credit Card? 

IDFC First Millennia Credit Card is a lifetime-free credit card with exciting benefits, rewards, cashback, and more. Designed for millennials, this credit card makes life easier and more rewarding. With no annual fee or joining fee, this credit card is built to reward you! From special discounts at fine-dining restaurants to cashback offers, the Millennia card promises something for everyone. 

 

Features and Benefits of IDFC FIRST Millennia Credit Card

As one of the best credit cards in India, the IDFC FIRST Millennia Credit Card offers special perks for its users. First, this card has no joining fee or annual charges – it's a lifetime free card. Other benefits include: 

Joining Benefits

  • Upon becoming a cardholder, you will receive a welcome voucher worth ₹500, provided you spend ₹5,000 or more within the first 90 days of card setup.

  • Cardholders also receive 5% cashback of up to ₹1,000 on the first EMI transaction completed within 30 days of card setup.

Lifestyle Benefits

  • BOGO offer: Avail the 'Buy One, Get One' offer on movie tickets up to ₹125 on the Paytm mobile app. This offer is valid twice per month.

  • Year-round discounts: Throughout the year, you can access 300+ brand offers, with up to 20% discounts at more than 1,500 dining restaurants all over India.

Travel Benefits     

  • Railway Lounge Access: Cardholders can enjoy four complimentary railway lounge visits per quarter. 

  • CFAR policy: Cancellation For Any Reason (CFAR) insurance is available, offering coverage of up to ₹10,000 for hotel and flight booking cancellations (up to two claims).

  • Limo Service (Airport Pick-up and Drop): With IDFC First Millennia Credit Card, you can arrange limousine service for airport pick-up or drop-off for friends, family, or other beneficiaries at over 50 locations worldwide. 

  • Airport Meet & Assist: Receive personalised assistance at the airport for departure and arrival processes.

  • Golf Program: Cardholders are entitled to four complimentary rounds of golf and 12 complimentary golf lessons per calendar year (limited to one round or lesson per month).

Insurance and Road Assistance 

  • IDFC First Millennia cardholders can avail of complimentary roadside assistance worth ₹1,399

  • Fuel Surcharge Waiver: Benefit from a 1% fuel surcharge waiver up to ₹200 per month at all fuel stations across India for transaction amounts between ₹200 and ₹5,000.

  • Insurance Coverage: The card includes Air Accident Coverage of ₹1 Crore, Personal Accident Coverage of ₹5,00,000, and Lost Card Liability Coverage of ₹50,000.

  • Travel Insurance: Cardholders are also covered with a comprehensive travel insurance plan worth ₹22,500.

 Convenience Benefits

  • EMI Conversion: Convert transactions above ₹2,500 into easy EMIs through our mobile app.

  • Instant EMI: Enjoy the convenience of converting online purchases above ₹2,500 into EMIs directly on the bank's OTP page during the transaction process.

  • Bank Transfer: You can benefit from transferring balances from other credit cards to your IDFC First Millennia Credit Card at competitive rates.

Reward Points 

  • Earn up to 10X reward points on your monthly spending, with a cap of ₹20,000. For every ₹150 spent, you earn 1 reward point, which will be represented as 1X. 

  • Enjoy 10X Reward Points if you use it to spend on your birthday to make your day special. 

  • Get 1X Reward Points for utility and insurance spending.

  • Receive up to 3X rewards on all UPI transactions.

 

Note that 1 reward point is equivalent to ₹0.25 

 

Reward redemptions 

Cardholders can redeem their reward points with a single click anytime for online or in-store shopping. To redeem reward points, cardholders might have to pay a convenience fee of ₹99. These reward points have no expiry dates; you can use them at your convenience. 

 

What are the Eligibility Requirements for IDFC First Millennia Credit Card? 

To be eligible for the IDFC First Bank FIRST Millennia Credit Card, applicants must meet the following criteria:

 

  • The primary cardholder must be an Indian citizen. 

  • The minimum age of the cardholder must be 18 years old. 

  • The cardholder's monthly income should be at least Rs. 25,000. 

  • The applicant must have a good credit score, preferably 700 or above. 

 

Note: The above eligibility criteria are indicative, and the bank has the right to approve or reject your credit card application at its discretion.

What Are The Documents Required to Apply for IDFC First Bank FIRST Millennia Credit Card?

Applicants will need the following documents to apply for IDFC First Bank First Millennia Credit card: 

 

  • PAN Card Photocopy or From 60  

  • Identity Proof: Adhaar Card/ Voter ID/ Driving License (DL) 

  • Income Proof: Last three months' payslips or salary slips / IT return copy / Form 16 

  • Address Proof: (Gas Connection Bill/ Electricity Bill/ Driving License/ Landline Telephone Bill/ Ration Card)

  • Applicant's recent passport-size colour photograph

 

Note: The required documents mentioned above are indicative and may vary from case to case during the application process.

IDFC First Bank FIRST Millennia Credit Card Fees and Charges

Although the IDFC First Millennia Credit Card has no joining or annual fees, certain  additional charges may apply to the card:

 

Joining Fee 

Nil

Annual Fee

Nil 

Add-on card Fee

Nil 

Overlimit fee

Nil 

Finance charges

Starting 9% p.a (07% per month)

Late payment fee

15% of the total amount due (Min. Rs. 100 and max. up to Rs. 1,300)

Reward redemption fee 

Rs. 99 + GST per transaction 

Foreign Currency Markup Fee

3.5% 

International & Domestic Cash advance fee              

Rs. 199 

Card replacement fee 

Rs. 100

 

For more details, read the terms and conditions by clicking here. 

FAQs  

  1. Who is eligible for an IDFC Millennia credit card? 

Ans: The applicant must be at least 18 years old and have an annual income of at least ₹3 Lakhs.

 

  1. Does the IDFC Millennia card have lounge access? 

Ans: No, the IDFC FIRST Millennia credit card does not offer airport lounge access. However, it provides four complimentary railway lounge access passes per quarter.

 

  1. What is the annual fee for IDFC Millennia credit cards? 

Ans: There are no annual or renewal charges for the IDFC Millennia credit card.

 

  1. What is the interest rate on my FIRST Millennia credit card? 

Ans: The interest rate for the IDFC FIRST Millennia credit card ranges between 0.75% and 2.99% per month.

 

  1. What kind of insurance benefit can I expect from this credit card?

Ans: The IDFC FIRST Millennia credit card provides Personal Account Insurance coverage worth ₹2,00,000 and lost card liability protection up to ₹25,000, provided at least one transaction has been made in the past 30 days.

 

  1. Can I make cash withdrawals through Milennia's credit card?

Ans: You can make interest-free cash withdrawals using the Millennia credit card at any domestic or international ATM. However, a withdrawal charge of ₹199 plus GST will be applicable per transaction.

 

  1. Can I convert my spending on EMI Millennia credit card? 

Ans: Yes, cardholders can easily convert expenditures above ₹2,000 into EMIs and pay them on a monthly basis.

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