IDFC FIRST Millennia Credit Card Review

The idfc first bank millennia credit card is one of the best entry-level credit cards available in India. It is not just a low-cost credit card with a very nice look, it also packs a real punch offering powerful rewards on every transaction, free access to railway lounges, huge discounts on dining expenses and movies, etc.

This idfc bank card works on the Visa platform and it comes with a very competitive interest rate of just 2.99% monthly. More about the IDFC FIRST Bank credit card benefits are discussed below.

How does the IDFC Millennia Credit Card Eligibility work?

IDFC bank has not clearly mentioned the required eligibility criteria for this idfc first bank credit card, but as per our experience, I can say that it should be like this. 

• Resident Type:  Indian. 
• IDFC credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs. 7 lakh annually. (min)
• IDFC bank credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: Rs. 8 lakh annually. (min)
  • A good CIBIL score (720+) will help you to get this idfc millennia credit card more easily.

As you submit your idfc credit card application, you will get a unique application id. You can use that to track the status of your credit idfc millennia credit card application.

What documents are required for the IDFC bank millennia credit card application?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Last 6 months’ bank account Statement
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
• One recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Salary Slip of the last 3 months 
    • ITR (Income Tax Return) 
  • Self-employed person
    • Income tax return of the last year 
    • Proof of business
    • Recent audited financial report.

As per the new rbi guidelines for credit card issuers, all new idfc first credit cards are delivered in an inactive state. The users can activate them by generating a new credit card PIN. You can find more about the idfc credit card pin generation process from our faq page. 

What are the idfc millennia credit card fees?

• IDFC first millennia card joining fee: None. 
• IDFC first millennia card annual fee: None. 

What are the IDFC FIRST Millennia Credit Card benefits?

• Get started with a huge joining bonus:

As you activate this IDFC first millennia credit card and perform a total of Rs.15,000 spend transaction with your card within the first 90 days of card activation, you will get a gift voucher of Rs.500 as a joining bonus. 

You will also get a 5% Cash-Back on the first EMI payment you make with this idfc first credit card. the transaction should be done within the first 90 days of the card issuance.

• Make every transaction rewarding:

Category of transaction	Rate of earning millennia credit card reward points
On spending Rs.20000 within an idfc credit card statement cycle	10X idfc card reward points for every Rs.100 transaction
Onn spending Rs.20,000+ within a month in shopping expenses (online+offline)	6X idfc reward points for every Rs.100 online spend 3X rewards for every Rs.100 offline spend
Every Rs.100 spend on your birthdays	10x reward points.
Transactions related to rental and prosperity management service	3X idfc rewards for every Rs.100 spend

1X idfc credit card reward points = 1 reward point, and the value of 1 reward point is equal to Rs.0.25

• Add comfort to your travel:

To make your travel more comfortable, this IDFC FIRST Bank Credit Card Offers up to 4 free quarterly access at most of the frontline domestic railway lounges.

• Dine with more delight:

If you use this IDFC first millennia credit card to pay your dining bills you will get up to a 20% discount on it. This offer is available at 1500+ frontline restaurants in India. 

• Get freedom from fuel surcharges:

This idfc credit card features a 1% waiver on fuel surcharges. This offer is applicable at most of the fuel stations in India, and you can earn a maximum of Rs.200 waiver in an idfc credit card billing cycle. 

• Make your evenings entertaining:

If you use your idfc first bank millennia credit card to book a movie ticket from the Paytm mobile app, you will get a 25% (up to Rs.100) discount on the booking value. This offer is available once a idfc credit card statement cycle. 

• Exclusive deals on lifestyle categories:

This idfc first bank credit card features a 15% discount on health & wellness categories. This idfc first bank credit card offer applies to over 3000+ health and wellness shops in India. 

• A card that can stand for you:

In an emergency or unfortunate event, your IDFC first millennia credit card can support you with its built-in insurance coverage scheme. 

Particulars	Coverage amount
Personal accidental coverage	Rs.2 lakh
Lost card liability coverage	Rs.25,000

• Enjoy the convenience of contactless payments:

This idfc credit card is equipped with an advanced contactless payment facility. This contactless credit card technology allows you to make payments just by placing your millennia card over any POS machine that accepts contactless payments. You can also control the contactless payment option from your idfc net banking account. 

What are the IDFC first millennia credit card charges?

Particulars	Payable amount
IDFC credit card cash withdrawal charges	Rs.250 per transaction (Check your available idfc first credit card cash withdrawal limit before making a withdrawal)
IDFC card finance charge	The idfc credit card interest rate ranges between 0.75% to 3.5% monthly (applicable if your idfc card payment is not made within the due date)
IDFC first card foreign currency conversion charges	3.5% against the transaction amount
IDFC first card add-on card fee	None

How to contact the idfc first bank credit card customer care department?

• Call the idfc bank credit card customer care number: 1860 500 1111
• Write to the idfc first bank customer care email id: creditcard@idfcfirstbank.com 

100xGain Ratings: 

8/10

Pros and cons of the idfc millennia credit card:

Pros	Cons
The rate of earning reward points is quite impressive. This idfc first bank credit card offers a bid discount on dining bills. This idfc credit card also has some exclusive deals on lifestyle categories.	You will not get any travel booking benefits from this idfc bank credit card.

Final Opinion:

If you are a beginner or if you want to have a lifetime free credit card with a lower interest rate, then this idfc millennia credit card is going to be the best choice for you. With its powerful reward scheme, huge discount on dining and movie expenses, and attractive waiver on fuel surcharges, this idfc credit card can offer you some handsome monthly savings.

But if you want premium benefits like airport lounge access or free golf rounds, then feel free to take a look at our top premium credit card page. You can also compare the alternative card options given below. 

Alternative cards of the idfc first millennia credit card: 

1. Axis bank pride platinum credit card (Best for reward and dining benefits) 
2. Axis bank insta easy credit card (Best for reward and dining benefits)
3. Citi rewards credit card (Best for reward and dining benefits)