IDFC Bank First Millennia Credit Card
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उत्पाद विवरण
क्रेडिट कार्ड का नाम
IDFC Bank First Millennia Credit Card
Bank Name :
IDFC First Bank
प्रकार
Rewards Credit Card
ब्याज दर
0.75% - 3.5%. Annual Interest Rate - 9% - 42%
पात्रता
Age: 21 years & above.
Indian resident with permanent residential address.
Annual Income of INR 3 Lakh or more.
पेशेवरों
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.
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.
पक्ष विपक्ष
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.
पुरस्कार प्रणाली
Reward System:1 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: 0.165%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Lowest interest rate.
Eligibility Criteria
Age: 21 years & above.
Indian resident with permanent residential address.
Annual Income of INR 3 Lakh or more.
फ़ायदे
Movie ticket offers
Dining benefits
Airport lounge and golf course access benefits.
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:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
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.
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
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
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%
ईंधन अधिशुक्ल
Fuel Surcharge: 1%, waived upto INR 200 per statement cycle.
Billing Cycle
30 Days