IDFC FIRST Millennia Credit Card

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 Rs. 500 on spending Rs. 15,000 or more within 90 days of issuance of this credit card.
• You also get a cashback of 5% (maximum Rs. 1000) on your first EMI transaction if done within the first three months of card issuance.

Movie Offers

IDFC First Millennia credit card offers a 25% discount on movie tickets (up to Rs. 100) on the Paytm app once every month so that you can watch your favourite 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 favourite delicacies without any worries.

Travel Benefits

If you are a frequent train traveller, 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-

• Agra Cantt Railway Station
• Ahmedabad Kalupur Railway Station
• Kolkata (Sealdah) Railway Station
• New Delhi Railway Station
• Varanasi Cantt Railway Station
• Jaipur Railway Station

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

Insurance Benefits

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

IDFC First Millennia Credit Card Rewards

• The card offers up to 10x Reward points after achieving a spend of Rs 20,000 or more.
• It offers 10x Reward points if you use this card for the spends on your birthday.
• You get 6x Rewards on online purchases and 3x Rewards on offline purchases up to Rs. 20,000.
• These RPs are redeemable at any point in time as they don’t expire and get accumulated for future use.
• You cannot earn reward points on the purchase of fuel or Insurance policies, EMI, and Cash Withdrawals.

Note: 1x= 1 Reward Point for every Rs 150 spent.

Reward Redemption

• Redemption of reward points earned using this credit card is simply a breeze. You can redeem the reward points against various categories & products. You have to pay a low amount of Rs. 99 plus taxes for reward redemption.
• The Reward points are being calculated as follows-
  1 RP= Rs 0.25

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

Documentation

⦁ Proof of Address– Driving License, Aadhar Card, Passport, Utility bills, Voter ID Card of the applicant.
⦁ Proof of Identity – PAN Card, Aadhar Card, Voter ID Card, or Driving License of the applicant
⦁ Proof of Income – Applicant’s salary slips for the latest three months or Bank Statement for the last three months, and latest audited ITR in case of self-employed people.

How To Apply For The IDFC First Millennia Credit Card?

You can apply for the IDFC First Millennia Credit Card online or offline as per your comfort. 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.

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 waivers, 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!