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IDFC Bank First Millennia Credit Card

Product Details
Credit Card Name : 

IDFC Bank First Millennia Credit Card

Bank Name :

IDFC First Bank

Type :

Rewards Credit Card

Interest Rate : 

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

Eligibility :

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

IDFC Bank First Millennia Credit Card
Pros
  • Welcome Benefits: Gift Voucher worth Rs 500 on spending Rs 15000 in first 3 months and 2. 5% Cashback (up to Rs1000) on the transaction value of first EMI done within 90 days of card generation.

  • Rewards: 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday. 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month.

  • Lifestyle benefits: Complimentary airport lounge and golf access on all premium card variants. 

  • Other Benefits: 25-75% on movie tickets every month, and Upto 25% across 1,500 restaurants , on all cards. 

Cons


  • 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.

Pros & Cons
Welcome Benefits

Welcome Benefits: Gift Voucher worth Rs 500 on spending Rs 15000 in first 3 months and 2. 5% Cashback (up to Rs1000) on the transaction value of first EMI done within 90 days of card generation.

Rewards System

Reward System: Reward Point per INR 150 spent. 1 Reward Point = INR 0.25.  Reward not available for Fuel, Insurance, EMi transactions & cash withdrawals. Effective Cashback Rate: 0.25%.

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features

Lowest interest rate. 

Eligibility Criteria

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

Benefits


  • Movie ticket offers

  • Dining benefits

  • Airport lounge and golf course access benefits. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

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.

Contact Details

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

Account Opening and Procedure
IDFC First Millenia Credit Card

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

Product Review
Fees & Charges
  • Joining Fee: INR 0

  • Annual Fee: INR 0

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

  • Fuel Surcharge: 1%, waived upto INR 200 per statement cycle. 

  • Cash withdrawal fee - INR 199

  • Redemption fee: INR 99                                                                  

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

  • Forex Mark up - 3.5%

Fuel Surcharge

Fuel Surcharge: 1%, waived upto INR 200 per statement cycle. 

Billing Cycle

30 Days

Fees & Charges
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