Millennia Credit Card By IDFC First Bank

The IDFC FIRST Millennia Credit Card offers a comprehensive suite of benefits designed to enhance the cardholder’s lifestyle and travel experiences. Featuring no joining fee, the card provides a tiered rewards program encompassing cashback, discounts across various merchant categories (including dining and wellness), and loyalty points. Its applicability extends to both online and offline transactions. Furthermore, the card incorporates robust security features such as Personal Accident Insurance and Lost Card Liability Protection. Additional financial flexibility is provided through interest-free cash withdrawal and easy EMI conversion options. This combination of rewards, security, and financial tools positions the IDFC FIRST Millennia Credit Card as a premium offering within the Indian credit card market.

IDFC First Millennia Credit Card Eligibility Criteria

** These criteria are only indicative. The bank reserves the right to approve or decline applications for credit cards

IDFC First Millennia Credit Card Overview

Elevate Every Experience: With the IDFC First Millennia Credit Card, Make Life Rewarding.

Introducing the IDFC First Millennia Credit Card, a versatile financial tool designed to enrich your lifestyle and travel experiences. Tailored for those who seek both rewards and utility, this card promises something for everyone. One of the best IDFC bank credit cards in India, this is one with all the premium features that you need.

From exclusive discounts at fine-dining restaurants to cashback offers, the Millennia Credit Card is your gateway to a world of privileges. Its reward program offers multiple tiers of benefits that cater to both online and offline spending.

But it’s not just about perks and rewards. The IDFC First Millennia Credit Card also focuses on your financial safety. With comprehensive insurance options and robust security features, this card becomes an ideal choice for the prudent spender.

IDFC First Millennia Credit Card Features & Benefits

The IDFC First Millennia Credit Card is rapidly emerging as a top-tier credit card option in India, offering an eclectic blend of features and perks. Its versatile rewards programs and simple redemption methods make it a standout choice for those looking for the best credit card in India.

IDFC First Millennia Card Lifestyle Benefits

This card caters to lifestyle preferences, offering a variety of year-round merchant deals and discounts, from dining to wellness, enhancing your lifestyle without breaking the bank.

• Take advantage of 300+ merchant offers all year round.
• Enjoy up to 20% off at more than 1,500 participating restaurants.
• Receive up to 15% savings at over 3,000 Health & Wellness establishments.
• Secure a 25% discount on film tickets via the Paytm app, limited to ₹100 per month.

IDFC First Millennia Card Insurance Benefits

Prioritising cardholder safety, the card offers solid insurance benefits like personal accident coverage and lost card liability protection, provided you’ve made at least one transaction in the past 30 days.

• Get a Personal Accident Insurance coverage worth ₹2,00,000, with at least one transaction in the past month.
• Benefit from Lost Card Liability Coverage up to ₹25,000.

IDFC First Millennia Card Additional Benefits

Beyond the standard rewards, this card provides additional financial safeguards and conveniences, such as interest-free cash withdrawals and simplified EMI conversion options.

• Avail cash withdrawals from ATMs interest-free for up to 48 hours.
• Convert purchases over ₹2,500 into easy EMIs via the mobile app.
• Quick EMI options for all online buys over ₹2,500.
• Easily transfer balances from other credit cards with the balance transfer feature.
• Benefit from competitive interest rates, ranging from 0.75% per month.
• An affordable 3.5% markup for foreign transactions.

IDFC First Millennia Credit Card Reward Benefits

The card’s reward system is tailored for maximum value, offering tiered reward points for a variety of spending categories, effectively maximizing your benefits for every rupee spent. The benefits that you will get with this best reward credit card in India are as follows:

• Earn 10X points for spending over ₹20,000 a month and on your birthday.
• Collect 6X and 3X points for online and in-store spending, respectively, up to ₹20,000 monthly.
• Each ₹150 spend gets you 1 reward point, termed as 1X.

While the rewards program is extensive, it’s essential to know that certain types of transactions, such as fuel and EMIs, are not eligible for reward points.

• Fuel, EMI transactions, and cash withdrawals do not accrue points.
• Earn 3X points on property management expenses, but these won’t count toward the 10X rewards.
• Insurance premiums now yield 1X points as of August 21, 2023, and utility bills are also eligible but are excluded from the 10X program.

IDFC First Millennia Card Reward Redemption Benefits

The card offers an intuitive and flexible points redemption process, making it effortless to offset your expenses either online or at physical stores.

• Each reward point equals ₹0.25.
• Accumulate an unlimited number of reward points with no expiration date.
• Use reward points instantly for online or in-store shopping.

IDFC First Millennia Credit Card Travel Benefits 

For travelers, the card includes added perks such as fuel surcharge waivers and complimentary railway lounge access, enhancing your travel experience while also offering cost-saving features. So, being one of the best travel credit cards in India, you will get the following benefits.

• Receive a 1% fuel surcharge waiver, limited to ₹200 per month, applicable for fuel transactions ranging between ₹200 to ₹5,000.
• Enjoy up to four complimentary visits to railway lounges every quarter.

IDFC First Millennia Credit Card Charges

Although the First Millennia card itself comes without a joining fee, there are certain additional charges you should be aware of while using the card. These may include penalties for exceeding your credit limit, fees for cash advances, or costs associated with late payments.

Cash Advance Limit: Rs.199

Over Limit Penalty: 2.55% or INR 500 (whichever is higher)

Minimum Repayment Amount: 5% or INR 100 (whichever is higher)

Card Replacement Fees: INR 100

Late Payment Fees

• Any amount due: 15% of the amount due with a minimum of Rs.100 and a maximum of Rs.1250.