IDFC FIRST Millennia Credit Card

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Tired of credit cards that promise a lot but come with hidden fees? Imagine a financial partner that boosts your rewards and is truly transparent. The IDFC FIRST Millennia Credit Card is designed to be your smart spending companion, offering great benefits to enhance your everyday life.

Benefits of the IDFC FIRST Millennia Credit Card

The IDFC FIRST Millennia Credit Card offers many benefits, making it a great choice for cardholders. Here’s a summary:

Lifetime-Free Status:

No joining, membership, or annual fees, making it a cost-effective option.

Reward Points That Never Expire:

Earn 10X points on spending over ₹20,000 in a statement cycle and on all transactions made on your birthday.
Get 3X points on spending up to ₹20,000 in a statement cycle.
Receive 1X point for utility and insurance bill payments.
Points never expire, giving you flexibility in redeeming them.
Each point is worth ₹0.25.

Exciting Welcome Offers:

Get a ₹500 gift voucher from popular brands like Amazon, BigBasket, Uber, or Lifestyle when you spend ₹5,000 or more within 30 days of receiving your card.
Enjoy 5% cashback (up to ₹1,000) on your first EMI transaction made within 30 days of getting your card.

Movie & Entertainment Discounts:

Enjoy 25% off (up to ₹100) on movie tickets booked through the District by Zomato app, once a month.
Get up to 15% off at over 3,000 Health & Wellness outlets.

Travel and Lounge Access:

Receive 4 complimentary railway lounge visits per quarter across India if you spend ₹20,000 in the previous month.
Earn extra rewards on travel: 50 bonus points for every ₹150 spent on hotel bookings and 20 bonus points for every ₹150 spent on flight bookings through the 'Travel and Shop' section of the IDFC FIRST Bank Mobile App.

Fuel Surcharge Waiver:

Get a 1% fuel surcharge waiver (up to ₹200) each month at fuel stations across India for transactions between ₹200 and ₹5,000.

Roadside Assistance:

Enjoy free 24/7 roadside assistance up to four times a year, worth ₹1,399.

Comprehensive Insurance Coverage:

Personal Accident Cover of ₹2,00,000 (Note: One source mentions ₹5 lakh).
Lost Card Liability Cover of ₹25,000.
These covers apply if you make at least one transaction on the card in the last 30 days.

Flexible EMI Options:

Convert online transactions above ₹2,500 into easy EMIs on the bank’s OTP page.

Low Interest Rates & Interest-Free Cash Withdrawals:

Enjoy low interest rates starting at 8.5% per annum.
Withdraw cash from ATMs without interest for up to 45 days (a one-time fee of ₹199 + GST applies).

Merchant Offers:

Access over 300 merchant offers all year, including up to 20% off at 1500+ restaurants and up to 15% off at 3000+ Health & Wellness outlets.

UPI Benefits:

Activate a digital UPI version of the card for an annual fee of ₹199, earning 3X rewards on UPI spends over ₹2,000 and 1 reward point for every ₹150 spent on UPI transactions under ₹2,000.
Limited time offer: Get 100% cashback up to ₹200 (₹50 each on the first 4 UPI transactions).

Referral Benefit:

Existing cardholders can earn 2000 bonus reward points for each successful referral, up to 10,000 points. The referred person can also earn 2000 bonus reward points by spending at least ₹500 within 30 days of activating their card.

Fees and Other Charges

There are no joining, membership, or annual fees for the IDFC FIRST Millennia Credit Card.
The APR ranges from 8.5% to 46.2%, based on your relationship with the bank.
The cash withdrawal fee is ₹199 + GST per transaction; you can enjoy interest-free withdrawals for 45 days.
There is a reward redemption charge of ₹99 + GST, but some sources claim it’s free.
Late payment fees are 15% of unpaid dues, with a minimum of ₹100 and a maximum of ₹1,300.
A fee of 3.5% applies for foreign currency transactions.
The overlimit fee might be NIL; you can get an extra 10% credit limit with consent.
The digital UPI version has an annual fee of ₹199 + GST.

Eligibility Criteria
To get the IDFC FIRST Millennia Credit Card, you must meet these criteria:

Annual income of ₹3 lakhs or more.
Age between 21 and 65 years.
Other eligibility depends on the bank's rules.

You will need the following documents:

Identity proof: Driving License, Aadhaar Card, or Passport.
Address proof: Passport, Voter ID, Ration Card, or Aadhaar Card.
Income proof: Form 16, IT Returns, or Salary Slip.
PAN Card is also required.

How to Apply
To apply for the IDFC FIRST Millennia Credit Card, follow these steps:
• Go to the IDFC FIRST Bank Credit Cards page.
• Select the FIRST Millennia Credit Card.
• Click ‘Apply Now.’
• Fill out the application form.
• After your application is approved, the card will be sent to your registered address.

Overall
This card isn't just another option; it offers great value. From rewards to benefits, it consistently delivers. Make the smart choice and get a financial companion that truly prioritizes your needs.