Experience Smart Spending with the IDFC FIRST Millennia Credit Card
In today’s fast-paced world, having a reliable credit card is more than a luxury—it’s a financial tool that supports your everyday expenses while rewarding you along the way. One such card making waves among young professionals and digital-savvy users is the IDFC FIRST Millennia Credit Card. Designed with millennial lifestyles in mind, this card brings together the benefits of zero annual charges, generous rewards, and useful lifestyle perks—all with a modern, mobile-first approach.
Top Highlights of the IDFC FIRST Millennia Credit Card
1. Zero Fees for Life
This card stands out by offering no joining or renewal fees, making it cost-effective from the start and perfect for budget-conscious individuals.
2. Low Interest Flexibility
Cardholders enjoy interest rates starting from just 9% per annum, depending on creditworthiness. It’s ideal for those who might occasionally carry a balance.
3. Reward Points on Daily Spends
- Earn 3X points for in-store purchases over ₹100.
- Get 6X points for online spending above ₹100.
- If your monthly usage crosses ₹20,000, you unlock 10X reward points.
Each point is worth ₹0.25, and they come with no expiry date.
4. Welcome Bonuses & Cashback
- New users receive ₹500 cashback after spending ₹15,000 within 90 days.
- Make your first EMI purchase within 30 days and get an additional 5% cashback, capped at ₹1,000.
5. Dining & Movie Deals
- Get Buy 1 Get 1 Free on movie tickets via Paytm (up to ₹200).
- Enjoy discounts of up to 20% at partnered restaurants across India.
6. Fuel Waiver Across All Petrol Pumps
Save more while fueling up with a 1% fuel surcharge waiver for eligible transactions (₹200 to ₹5,000).
7. Interest-Free Cash Withdrawals
Withdraw cash from any ATM and pay no interest for 48 days. A nominal ₹250 transaction fee applies.
8. Complimentary Roadside Help
The card includes 24/7 roadside assistance—a great bonus for travelers and daily commuters.
9. EMI Conversion at Your Fingertips
You can convert big-ticket purchases (₹2,500 and above) into easy monthly installments directly through the bank’s app.
10. App-First, Digital Experience
Apply online, activate a virtual card instantly, and manage everything—from statements to reward redemptions—on the IDFC FIRST app.
Charges and Key Information
| Category | Details |
|---|---|
| Joining/Annual Fee | None (Lifetime Free) |
| Reward Point Value | ₹0.25 per point |
| Interest Rate | 9% to 42% annually |
| ATM Withdrawal Fee | ₹250 flat |
| Late Payment Charges | ₹100 to ₹1,200 |
| Foreign Currency Markup | 3.5% of the amount |
Who Should Choose This Card?
The IDFC FIRST Millennia Credit Card is a suitable pick for:
- Young salaried professionals and freelancers
- First-time credit card users who want a zero-maintenance card
- Online shoppers and urban consumers
- Anyone looking for smart EMI options and low-interest credit
How to Get the Card
You can apply digitally in just a few steps:
- Go to the IDFC FIRST Bank website or app.
- Choose the Millennia Credit Card and fill in your details.
- Submit required documents (Aadhaar, PAN, and income proof).
- Upon approval, you receive an instant digital card for immediate use.
Frequently Asked Questions (FAQs)
1. Is this credit card truly free for life?
Yes, there are no hidden charges for joining or renewal.
2. What’s the reward structure like?
Earn 3X–10X reward points on eligible spends. Each point = ₹0.25.
3. Do points expire?
No, they stay valid forever.
4. Is there any welcome benefit?
Yes, ₹500 cashback on spending ₹15,000 in the first 90 days.
5. How does the EMI facility work?
Any purchase above ₹2,500 can be converted into flexible EMIs via the app.
6. Can I withdraw cash using this card?
Yes, with no interest for 48 days; only a ₹250 fee applies.
7. What are the interest rates?
Rates range from 9% to 42% per annum based on credit profile.
8. Is there a surcharge waiver on fuel?
Yes, 1% waiver for transactions between ₹200 and ₹5,000.
9. Can I use this card internationally?
Yes, it is globally accepted with a 3.5% currency conversion fee.
10. How do I manage the card?
Via the IDFC FIRST Bank mobile app or net banking.
11. Are movie offers included?
Yes, BOGO offers on movie tickets via Paytm.
12. How do I track rewards and spends?
All tracking is available on the mobile app.
13. Does the card support contactless payments?
Yes, it is equipped with NFC tap-to-pay.
14. What income is required to apply?
A minimum annual income of ₹3 lakh is recommended.
15. What networks does this card use?
Available on both Visa and Mastercard.
16. Can I upgrade the card later?
Yes, based on usage and credit score, upgrade options may be offered.
17. Is there any penalty for late payments?
Yes, late fee ranges from ₹100 to ₹1,200.
18. Can I block the card if lost?
Yes, instantly via app or customer support.
19. How soon will I receive the card?
A virtual card is issued instantly; physical card delivered within days.
20. How do I reach customer care?
Support is available through the app, website, or toll-free number.
