IDFC First Millennia Credit Card | Features | Benefits | Fees | Apply

IDFC First Millenia Credit Card available with 10X Reward Points on spends greater than ₹20,000, 6X rewards on all online spends, complimentary for life & interest-free credit for purchases and cash withdrawals.

Benefits / Features

  1. 10X Reward Points on all Spends above ₹20,000
  2. 6X Reward Points on Online Spends
  3. 3X Reward Points on all Offline Spends
  4. Your reward points are not capped and they don’t expire, ever !
  5. 1X = 1 Reward Point per ₹100 spent | 1 Reward Point = ₹0.25
  6. 10X Rewards on all spends done on your Birthday
  7. Welcome Gift Vouchers worth ₹500 on spending ₹15,000 within 90 days of card set-up
  8. Get 5% cashback on first EMI transaction performed within 90 days of card set-up.
  9. Low Interest Rate (% APR), starting at 0.75% p.m. (9% annually)
  10. Interest free cash withdrawal from ATMs for upto 48 days
  11. NIL Overlimit fees, NIL Addon charges
  12. NIL Reward redemption fees

*Reward Points earning and 10X threshold not applicable for Fuel, EMI, Insurance transactions and Cash Withdrawals

Fees & Charges

  • Lifetime Free Credit Card
  • Over limit Fee – NIL
  • Credit Card Interest Rate – from 0.75% to 2.99% per month
  • Reward Redemption Fees – NIL
  • FX Markup – 3.5%
  • Late Payment Fee – 15% of Total Amount Due (subject to Min ₹100 and Max up to ₹1,000)
  • International & Domestic Cash Advance Fee – ₹250

Privileges

  • 25% discount on movie tickets up to ₹100, once a month
  • Enjoy 4 complimentary Railway lounge visits every quarter
  • Upto 20% discount on 1500+ restaurants across India & 15% discount on 3000+ Health & Wellness Outlets
  • Fuel surcharge waiver at all fuel stations across India up to ₹200 every month
  • 50+ In-App discount offers
  • Personal Accident Cover worth ₹2 Lakh* & complimentary lost card liability cover of ₹25,000
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