IDFC FIRST Bank Millennia Credit Card

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4.5

)

Beginner

Best For: Shopping

From

Club Vistara IDFC FIRST Bank Credit Card

Approval Rate:

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AU Bank Zenith+ Credit Card

The IDFC FIRST Bank Millennia Credit Card is designed for digitally knowledgeable consumers and youthful professionals who desire to collect rewards on their daily purchases. Its unique selling proposition is the provision of expedited rewards for online purchasing, dining, and amusement. The card is most suitable for individuals who shop online frequently, as it offers credit on e-commerce purchases, exclusive discounts at prominent stores, and rewards points that can be redeemed for travel and leisure benefits. This card is designed to enhance the enjoyment of purchasing and dining by providing value-driven offers and convenient benefits, making it an ideal choice for budget-conscious individuals and tech enthusiasts.

Card Details

Type of Card

Rewards

Reward %

Upto 5%

Joining Fees

Renewal Fees

APR

46.2%

Welcome Benefit

"Enjoy welcome gift vouchers worth Rs.500 when your expenses reach Rs.15,000 within the first 90 days of your IDFC FIRST Millennia Credit Card being issued. 5% cashback on your very first EMI transaction which is performed within 90 days of your credit card being issued."

Renewal Benefits

USP's:

cardholders can earn up to 10X incremental reward points on their spends without any capping on the accrual

Fees & Charges

Joining & Renewal Fees

0

Interest & Charges

Additional Charges

Rs99 per redemption request.
Add on card fee Rs499

Rewards

Redemption modes

Catalouge Products

Additional Features

travel-3d

Lounge Benefits

  • Railway Lounge : 4 per quarter
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Insurance Benefits

  • Personal Accident Insuarance
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Other Perks

  • Dining 20% Discount
  • PAYTM 25% Discount on Movie Tickets

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

720

Ex Min

Other: Card-to-card eligibility requirements.

Pros

Lifetime free credit card with no annual or joining fees.
Up to 10X reward points on monthly spends exceeding ₹20,000.
Complimentary railway lounge access four times per quarter.
25% discount on movie tickets up to ₹100 once per month.

Cons

Reward points redemption value is ₹0.25 per point, which may be lower compared to other cards.
No reward points on fuel, EMI, insurance, and cash withdrawal transactions.
Foreign currency markup fee of 3.5% on international transactions.
Interest rates on revolving credit can range from 0.75% to 3.5% per month.

Terms and Conditions *