IDFC FIRST Millennia Credit Card Review

There is no Joining/ Membership/ Annual fee applicable on IDFC FIRST Millennia Credit Card. Use this card, and you can directly use your points to pay for your online purchases or when shopping at a store.

IDFC FIRST Millennia Credit Card

Apply for IDFC FIRST Millennia Credit Card

No joining and annual fees.

This offers 10X Reward Points, low-interest rates & amazing merchant discounts this card will stay with you forever.

IDFC FIRST Millennia Credit Card Benefits & Features

Reward Benefits
  • 10X Reward Points on incremental spends above ₹20,000 per month
  • 10X Reward Points on your Birthday
  • 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
  • Reward points that never expire
Welcome Benefits
  • Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
  • 5% cashback on the transaction value for first EMI transaction within the first 90 days of card issuance
Fuel Surcharge Waiver
  • 1%, at all fuel stations across India, up to ₹ 3oo/month
Railway Surcharge Waiver
  • 4 complimentary Railway lounge visits per quarter
IDFC FIRST Millennia Shield Benefits
  • Personal Accident Cover of ₹ 2 lakhs
  • Lost Card Liability Cover of ₹ 25, 000
  • Complimentary Roadside Assistance Rs. 1,399
Extra Benefits
  • 25% discount on movie tickets up to ₹ 250 on Paytm mobile app (valid once per month)
  • 50+ in-App discount offers
  • Up to 20% discount at 1500+ restaurants
  • Up to 15% discount at 3000+ Health & Wellness outlets

IDFC FIRST Millennia Credit Card Eligibility

  • Primary cardholder should be at least 18 years old
  • Salaried or self-employed both are eligible
  • Credit score must be 700 and above
  • Applicant should be a resident of India
Necessary Documents for IDFC FIRST Millennia Card Application

The following documents are required for apply this card.

  • PAN card
  • Latest salary slips/ Bank statement/ IT Returns/ copy as proof of income
  • Residence proof -any one of the following:
  1. Passport
  2. Driving License
  3. Voter ID Card
  4. Aadhaar card
  • Identity proof- any one of the following:
  1. Passport
  2. Driving license
  3. Voter ID Card
  4. Aadhaar card
  5. PAN card

IDFC FIRST Millennia Credit Card Charges & Fees

Type of ChargeCharges
Joining / Annual FeeNIL
Over Limit FeeNIL
Reward Redemption FeeNIL
Interest Rate / Finance Charges0.75% per month, (9% annually)
Foreign Currency Markup Fee3.50%
Late Payment Fee15% of Total Amount Due (subject to Min Rs. 100 and Max up to Rs. 1,000)
International & Domestic Cash Advance FeeRs. 250

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