IDFC FIRST Millennia Credit Card

IDFC First Millennia Credit Card Rewards

• Earn 10 Reward Points on every ₹200 spent on dining, travel, and international transactions.
• Earn 1X Reward Points on every ₹200 spent on insurance, utilities, railways, and FASTag recharges.
• Earn 3 Reward Points on every ₹200 spent on all other eligible transactions.
• Cardholders can earn accelerated rewards on travel bookings made through the IDFC FIRST Bank mobile app. The card offers 20% bonus Reward Points on hotel bookings and 10% bonus Reward Points on flight bookings, over and above the regular reward points earned on these transactions.
• Reward Points will be valid for 24 months.
• You cannot earn reward points on the purchase of fuel, EMI, or cash withdrawals.

Note: 1X = 1 Reward Point/₹200 spent.

Accelerate Reward Points for Hotel/Flight Bookings

Earn accelerated Reward Points for flight and hotel bookings via the IDFC Travel & Shop portal. A maximum of 8,000 accelerated Reward Points can be earned each month.

Reward Redemption

• Redeeming reward points earned with this credit card is simple. You can redeem the reward points against various categories & products. You have to pay a low amount of ₹99 plus taxes for reward redemption.
• The Reward points are being calculated as follows: 1 RP = ₹0.25

IDFC First Millennia Card Features and Benefits

The IDFC First Millennia Credit Card is targeted at young individuals who love to spend on shopping, entertainment, dining, etc. The following are some of the important features and advantages of this credit card:

Welcome Benefits

• IDFC First Millennia credit card comes with a host of welcome benefits for the buyer. You get an e-gift voucher worth ₹500 for spending ₹5,000 or more within 30 days of issuance of this credit card.
• You also get a cashback of 5% (maximum ₹1,000) on your first EMI transaction if done within the first month of card issuance.

Movie Offers

IDFC First Millennia credit card offers a 25% discount on movie tickets (up to ₹100) on the District app once every month, so that you can watch your favorite heroes in action on big screens.

Dining Benefits

You can avail of up to 20% discount at more than 1,500 leading restaurants across India and relish your favorite delicacies without any worries.

Free Railway Lounge Access

If you are a frequent train traveler, we have great news for you. You can enjoy complimentary access to Railway Lounges up to 4 times per quarter with the IDFC FIRST Millennia Credit Card. These lounges offer a luxurious and comfortable experience similar to that of high-end hotels. You can now wait for your rides without any hassle and enjoy a sense of luxury.

Here are some of the IRCTC Executive Lounges you can access with your IDFC FIRST Millennia Credit Card-

• Chennai Central Railway Station – Executive Lounge
• Old Delhi Railway Station – IRCTC Lounge
• Jaipur Railway Station – IRCTC Executive Lounge
• Sealdah Railway Station – IRCTC Executive Lounge
• Madurai Railway Station – IRCTC Executive Lounge
• Agra Cantonment Railway Station – Executive Lounge
• Varanasi Cantt Railway Station – IRCTC Executive Lounge
• Mumbai Central Railway Station – INEJ Digital Lounge
• Vadodara Railway Station – INEJ Digital Lounge
• Bhopal Railway Station – The Stuti Luxury Lounge

You must present your valid card along with your train ticket to avail of this offer.

Insurance Benefits

• If you are a user of this card, then you are entitled to get a Personal Accident Cover worth ₹2 Lakhs, which will be active in case of an accident or similar mishap.
• Also, if you lose this card, your card will be equipped with a complimentary lost card liability cover of ₹25,000. Both these are applicable only if this card is being used or is active.

IDFC First Millennia Credit Card Eligibility Criteria

For the issuance of the IDFC First Millennia Credit Card, there are certain basic eligibility criteria that need to be fulfilled-

• The applicant should be at least 21 years old.
• Annual income should be more than ₹3 Lakh.
• The applicant should have a decent credit score with no payment defaults (Preferably above 700).

How to Apply For The IDFC First Millennia Credit Card?

You can apply for the IDFC First Millennia Credit Card online or offline at your convenience. To apply offline, visit the IDFC First Bank branch nearest to you with all the necessary documents and apply for the card by filling out the offline application form. You can also apply online by following a few simple steps as follows:

• Click on “Apply Now” and
• Proceed further by filling in all the required details.
• Submit your application.
• Wait for approval.
• Once approved, you shall receive your card.

IDFC First Millennia Credit Card Review

Along with being a highly affordable card, the IDFC FIRST Millennia credit card is one of the most trending reward cards in the market one can opt for. It has a unique reward point system where the reward points don’t expire and are carried forward. Besides this, it offers a host of benefits like travel, lifestyle, insurance covers, fuel surcharge charge waiver, etc. This card is best suited for people who are searching for a lifetime free credit card with no joining fee and want reward points on every online and offline spend. You won’t regret buying this smart and value-for-money credit card. Another card you must check is the IDFC First Classic Credit Card, which is also an exclusive lifetime free credit card.

This was the IDFC First Millennia Credit Card review from our side. Let us know your views on this card in the comment section below!