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IDFC Bank

IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card

  • Joining Fee :

    Nil

  • Renewal Fee :

    Nil

  • Reward Type :

    Reward Points

Welcome Benefits

5% cashback on first EMI spend up to Rs. 1000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 15,000 inside 90 days of card generation

Best suited for

Shopping

Product Details

  • Zero annual fee credit card.

  • Comes with never-expiring reward points.

  • 10x Reward Points on spends of Rs 20,000 and above.

  • 10x Reward points on all spend done on your birthday.

  • 6x reward points on all online spends and 3x reward points on all offline spends.

  • Low-Interest Rates starting at 0.75% per month.

  • Fuel surcharge waiver at all gas stations pan India (Upto Rs. 200 every month).

  • Complimentary Railway lounge access 4 times in a quarter.

  • Complimentary roadside assistance worth Rs. 1399

  • Personal Accidental Cover worth Rs 2 Lacs on all active cards.

  • Fuel surcharge waiver on all fuel purchases up to Rs. 200 per month.

Rewards & Benefits

  • Movie & Dining

  • Up to 20% discount on more than 1,500 Restaurants across India. Avail 25% discount on movie tickets once a month on the Paytm app (up to Rs. 100).

  • Rewards Rate

  • 3 Reward Points on each offline spend of Rs. 150, 6 RPs per online spend of Rs. 150, and 10 Rewards on every Rs. 150 on spends above Rs. 20,000.

  • Reward Redemption

  • N/A

  • Travel

  • Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.

  • Golf

  • NA

  • Domestic Lounge Access

  • NA

  • International Lounge Access

  • NA

  • Insurance Benefits

  • Personal Accidental Cover worth Rs. 2 Lakhs on all active cards. Lost Card Liability Cover of Rs 25,000.

  • Zero Liability Protection

  • Zero Liability protection upto Rs 25,000. Not valid on PIN Based transactions.

Fees & Charges

  • Spend Based Waiver

  • Nil

  • Rewards Redemption Fee

  • Rs. 99 plus taxes

  • Rewards Redemption Fee

  • Rs. 99 plus taxes

  • Foreign Currency Markup

  • 3.5% of the total transaction value.

  • Interest Rates

  • Starting from 0.75% and goes up to 3.5% per month.

  • Fuel Surcharge

  • 1% fuel surcharge waiver at all fuel stations and on all fuel purchases across India (Upto Rs 200 every month).

  • Cash Advance Charges

  • Transaction fees of Rs. 199

  • Add-on Card Fee

  • Nil

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