IDFC First Millenia Credit Card

The IDFC First Millenia Credit Card works best for all those customers who are looking to earn reward points on their every purchase along with the feature of low-interest rate and zero annual fees. Here we have talked about the detailed features, benefits, fees, charges, and eligibility of the IDFC FIRST Millennia Credit Card.

Highlights of IDFC First Millenia Credit Card

  • Get 4 complimentary Railway lounge visits every quarter
  • Fuel surcharge waiver at all fuel stations across India up to Rs. 200 every month
  • Personal Accident Cover worth Rs. 2 Lakh
  • Complimentary lost card liability cover of Rs. 25,000
  • NIL Overlimit fees, NIL Addon charges, and NIL Reward redemption fees
  • Interest-free cash withdrawal from ATMs for up to 48 days
  • Complimentary for life & interest-free credit for purchases

Benefits of IDFC First Millenia Credit Card

  • Get 20% discount on 1500+ restaurants across India and 50+ in-app discount offers
  • 15% discount on 3000+ Health & Wellness Outlets
  • Get a 25% discount on movie tickets up to Rs. 100 (once a month) with your IDFC FIRST Millennia Credit Card. It has the added advantage of being an entry-level credit card.
  • Gift Vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days of card set-up
  • with 10X Reward Points on spends greater than ₹20,000,
  • 6X rewards on all online spending.

The eligibility criteria to apply for IDFC First Millenia Credit Cardss

  • The minimum age to apply for a credit card is 18 years old.
  • Whether salaried or self-employed, you must have a regular source of income to pay back your credit card bills
  • You should have a decent credit score (Preferably 700 and above)

The documents required to apply for IDFC First Millenia Credit Card

Both Self-employed and Salaried

  • Completed application form
  • Passport-size photographs
  • Proof of identity (copy of PAN, Aadhaar, passport, etc.)
  • Proof of residence (utility bills, driving license, PAN, Aadhaar, etc.)

Salaried- Income proof

  • Latest salary slips
  • Form 16
  • Bank statements

Self-employed- Income Proof

  • Income proof
  • Statement of accounts
  • Proof of business

IDFC Millenia Credit Card fee and Charges

Joining Fee NIL
Annual Fee NIL
Interest on Cash advance From 0.75% to 2.99% per month | 9% to 35.88% per year
Foreign Exchange Markup 1.99%
Late Payment Fee Less than Rs. 100 = NIL
Rs. 500 = Rs. 100
Rs. 5,000 = Rs. 750
Rs. 10,000 = Rs. 1.000
More than Rs. 10,000 = Rs. 1.000
Cash Advance fee Rs. 250 (International and Domestic)
Overlimit fee NIL
Interest rate on Purchase due From 0.75% to 2.99% per month | 9% to 35.88% per year
Reward Redemption Fee NIL
Card Replacement Fee Rs 100

 If you are seeking a credit card from IDFC bank, you can simply fill up an online loan application at our platform after checking your IDFC FIRST credit card Eligibility We IndiaLends has collaborated with IDFC bank to offer you the best of credit card services.  Click here to apply for IDFC Classic Credit Card and avail of exciting rewards and cashback. Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.