IDFC First Millennia Credit Card Apply – Review, Details & Benefits: So now you must have come to know that in today’s article we will provide you information about IDFC FIRST Millenia Credit Card such as what is IDFC First Bank Millenia Credit Card, how to apply for Millenia Credit Card, IDFC First Bank Millennia Credit Card Who can take this credit card,
Apart from this, you will have to read this article till the end for the documents required to take IDFC First Bank Credit Card, eligibility criteria, fees and charges, advantages and disadvantages, IDFC credit card details information.
Nowadays there are many banks, finance companies are present in the market, which offer you credit cards, if you are looking for life time credit card without any joining fee, without any annual fee, then you can go for the one offered by IDFC First Bank. You can take credit cards that do not come with any kind of charge, and here you also get offers like cashback offers, redeem points, etc.
IDFC First Bank Millennia Credit Card
IDFC First Millennia Credit Card has been launched to offer you more cashback on your spends. The reward points you earn on this IDFC First Bank Credit Card will never expire. If you do a lot of online shopping, or are looking for cashback, then this credit card can prove to be very beneficial for you.
With this new IDFC Bank credit card, you can enjoy some great benefits without any joining charges. The IDFC First Millennia Credit Card comes with an interest rate between 0.75% to 2.99% per month.
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IDFC FIRST Bank Millennia Credit Card Details
Some important information about the IDFC First Bank Millennia Credit Card is mentioned in the table below.
| Card Name | Millennia Credit Card |
| Card Type | Cashback Card |
| Best Suited For | Rewards and Online Shopping |
| Card Ratings | (3/5) |
| Welcome Benefits | Gift vouchers worth Rs. 500 and 5% cashback on first EMI transaction |
| Key Feature | Up to 10X Reward Points that never expire |
| Reward Rate | 3% |
| Joining Fee | Nil (Lifetime Free Credit Card) |
Documents Required for IDFC First Bank Millennia Credit Card
The following documents are required to avail the IDFC First Bank Millennia Credit Card, as shown in the table below.
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| Identity Proof |
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| Income Proof |
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| Proof of Address |
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Idfc First Millennia Credit Card Eligibility
IDFC First Millennia Credit Card is yet to be launched. However, the following are the eligibility criteria to be eligible for the card:
- Applicant must be an Indian citizen and must be at least 18 years of age
- Whether the applicant should be a salaried person, self employed person, and should have a regular source of income to pay his credit card bills
- You must have a good credit score (valid 700 or higher)
- For this credit card, the applicant should have address proof, identity proof, KYC documents approved by the Government of India.
Note : IDFC First Bank can apply for this credit card in select cities of India. If you live in a rural area, you may not get this credit card. Approval gets done quickly in metro city.
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IDFC FIRST Bank Millennia Credit Card Fees and Charges
For IDFC First Bank Millennia Credit Card, you have to pay certain fees and charges which are shown in the table below.
| Fees / Charges | Amount |
| Joining / Annual Fee | NIL |
| Over Limit Fee | NIL |
| Interest Rate / Finance Charges | starting at 0.75% pm (9% annually) |
| Reward Redemption Fee | NIL |
| Foreign Currency Markup Fee | 3.5% |
| Late Payment Fee | 15% of Total Amount Due (subject to Min Rs. 100 and Max up to Rs. 1,000) |
| International & Domestic Cash Advance Fee | Rs. 250 |
| Return of check/Auto Debit/ Payment Return | Rs. 250 per Returned cheque/Auto Debit/ Payment Return |
| EMI Fees | 1% of transaction value (minimum Rs. 99), Fee will be levied if booked through any channel, unless done at the Point-of-Sale terminal or merchant website/ app |
| Card Replacement Fee | Rs. 100 |
IDFC First Bank Millennia Credit Card Limit
The credit limit for the IDFC First Millennia Credit Card will be determined by the bank. IDFC First Bank takes into account a number of factors such as the credit score of the applicant, credit ratio of the applicant along with previous loan repayment, before setting the limit.
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Idfc First Millennia Credit Card Benefits
Various types of cashback offers are offered on IDFC First Bank Millennia Credit Card, here we have told about the benefits, which you can read about below.
Welcome Benefits
- A gift voucher of Rs 500 is given for spending Rs 15,000 within the first 3 months of IDFC First Millennia Credit Card issuance.
- This card offers 5% cashback on the first EMI transaction done within the first 90 days of card issuance.
Entertainment Benefits
- IDFC First Millennia Credit Card For entertainment, you can get 25% off on movie tickets up to Rs.100.
- Get 15% off at over 3,000 health and wellness outlets.
Travel Benefits : IDFC First Millennia Credit Card offers 4 complimentary visits to railway lounges in 1 year for travel purposes.
ATM Withdrawal Benefits : With the help of IDFC First Millennia Credit Card, you can withdraw interest rate money from ATMs in the country for 48 days.
Fuel Benefits : ₹ 300 fuel surcharge waiver can be availed on IDFC First Millennia Credit Card if used at petrol pumps.
Dining Benefits: With the help of this credit card, you can get 20% off on more than 1500 restaurants across India.
Reward Point Benefits
- You can get 10X reward points every time you spend up to Rs.20,000.
- Get 3X Reward Points on all your offline spends.
- You can get 10X reward points on every transaction you make on your birthday.
- You can get 6X reward points on every online purchase.
- You can get 1 reward point when you spend Rs.100 on your credit card.
Insurance Benefits: Personal accident cover is given up to a maximum of ₹ 500000 in IDFC First Millennia Credit Card. And there is also a complimentary lost card liability cover of Rs 25,000.
Disclaimer : Apply for credit card according to you, we do not have anything to do with it, we have provided the information here only for education purpose, to avoid any fraud your card details, CVV number, Month- Year, do not share personal information with anyone.
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My IDFC FIRST Bank Millenia Credit Card Review
If I tell about my personal experience, Millenia Credit Card offered by IDFC First Bank can be used for life time without any joining fee, without any annual fee,
The most important thing about this credit card is that with the help of this card, most of the customers can save up to ₹ 10400 in a year. Which is much higher than other credit cards. This credit card can be used to avail cashback offers. Heartfelt thanks for giving your valuable time for this article!, see you with another new information.
IDFC FIRST Millennia Credit Card Apply Online
To apply for the IDFC First Bank Millennia Credit Card, you can follow the steps mentioned below. IDFC First Millennia Credit Card is not yet launched.
The card will initially be offered to existing customers only and applications will probably start in the month of February, while for new customers, the card will be launched in March.
Step 1. First of all open open the official website.
Step 2. Now click on Apply Now.
Step 3. After this submit the Aadhar Card, PAN Card, Date of Birth.
Step 4. After this, verify the OTP with your mobile number.
Step 5. Now submit your PAN card, pin code, address.
Step 6. Now you have to click on Proceed.
Step 7. After this select occupation, net income, credit card.
Step 8. After this submit the application form, now you get the credit limit, then you can activate this card through the application and use it.
Keep in mind : If you use the credit card properly, then it can prove to be effective for you, otherwise it does not delay in turning your happiness into sorrow. Therefore, use the card wisely, while taking a credit card, definitely read the terms of condition, interest rate etc.
IDFC FIRST Millenia Credit Card FAQ’s
Q1. Is there any annual fee for IDFC First Millennia Credit Card?
Ans. There is no joining fee, annual fee or membership fee with this credit card. You can use it for lifetime.
Q2. Will the redeem points earned on this card expire?
Ans. No, the reward points you earn with this credit card will not expire.
Q3. Do I need to enter my credit card PIN at all POS terminals?
Ans. With this credit card in India, you will need to enter a PIN to complete the transaction. If you are abroad, you will need to enter the PIN only if the POS terminal is enabled for PIN verification.
Q4. In how many days does the IDFC First Bank Millennia Credit Card Welcome Kit get delivered at home?
Ans. IDFC First Bank Millennia Credit Card Welcome Kit is delivered at home via post in 15 to 20 days. You can activate it through IDFC First Bank Mobile App.
Q5. What is the interest rate charged on IDFC First Bank Millennia Credit Card?
Ans. The IDFC First Bank Millennia Credit Card has one of the lowest interest rates in the country, so it won’t put a strain on your pocket if you cannot pay your entire monthly dues in one go.
IDFC First Bank offers low interest rates ranging from 9% to 36% p.a. Generally, other credit cards charge interest rates as high as 42% per annum. The interest rate here is between 0.75% and 2.99% per month.