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IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Movies
Lifetime Free
Rewards
1st Year Fee: ₹ 0
Travel
10X reward points on travel spends
Movies
Up to 25% off on movies every month
Lifetime free
No joining or annual fee charged
Earn Reward Points on Every Spend
Get Your IDFC FIRST Millennia Credit Card Today!
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About IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card is a lifetime-free rewards credit card using which the cardholders can earn up to 10X reward points on their dining and travel spends. Other lifestyle benefits, including discount on movies, railway lounge access, roadside assistance and brand offers, accompany the rewards program. This IDFC FIRST credit card, despite not charging any annual fee, also comes with joining benefits worth up to Rs. 1,500 which is quite exceptional for such cards. Read in detail to know about this card.
Rewards Program
- 20% bonus rewards on hotels and 10% on flight bookings on ‘Travel & Shop’ on IDFC FIRST app
- 10X reward points on dining, travel and international spends
- 3X reward points on other online & offline transactions
- 1X Reward Point: 1 reward point per Rs. 200 spent on all utility, insurance bill payments, railway & FASTag recharges1
- Exclusions: Fuel spends, cash withdrawals and EMI transactions
- Redemption Value: 1 Reward Point = Rs. 0.25
- Reward points will be valid for 24 months
Also Check: Best Rewards Credit Cards
IDFC FIRST Millennia Credit Card: Other Features & Benefits
- Joining Benefits
- Rs. 500 Gift Voucher: On spending at least Rs. 5,000 within 30 days of card issuance
- 5% Cashback: Cashback capped at Rs. 1,000 on the 1st EMI transaction made within 30 days of card issuance
- Movie Offer: 25% off of up to Rs. 100 on movie tickets through District by Zomato app, once a month, applicable on making at least one transaction in the previous month
- Railway Lounge Access: 4 complimentary railway lounge visits per calendar quarter, on spending a min. of Rs. 20,000 in the previous month to access free visits in the current month
- Interest-Free Cash Advances: 0% interest charged on credit card cash withdrawals at ATMs for up to 45 days2
IDFC FIRST Millennia Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Nil |
| Finance Charges | 0.71% to 3.85% p.m. (8.5% to 46.2% annually) |
| Late Payments Fees | 15% of the unpaid dues, subject to a min. of Rs. 100 & max. of Rs. 1,300 |
Things to Know Before you apply
Get This Card If:
You want to get a lifetime-free credit card with good joining benefits
You are looking for a rewards credit card with the option directly redeem the rewards for online and in-store purchases
You are looking for a credit card offering accelerated rewards on dining & travel
You do not have any brand or merchant preferences and do not want a card with any category-specific benefits
Similar Cards:
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HDFC MoneyBack+ Credit Card
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Paisabazaar Review
What do we like about this card?
This is a lifetime free credit card that offers considerable value-back through joining benefits. Cardholders can earn 10X reward points on dining and travel spends. Other lifestyle benefits like movie discount offer and complimentary railway lounge access let the card users have additional savings. Interest-free cash withdrawal for up to 45 days - a feature generally reserved for only select premium cards - is also offered by this card (though it is still advised to avoid credit card cash advances).
Pros
- Lifetime-free credit card
- Joining benefits worth up to Rs. 1,500 despite not charging any card fee
- Movie discount every month with savings of up to Rs. 1,200 in a year
- Up to 16 complimentary railway lounge visits per year
- Interest-free ATM cash withdrawals for up to 45 days
Cons
- Low reward redemption value of Rs. 0.25 per point
- No complimentary airport lounge access
Frequently Asked Questions
Everything you need to know about this credit card
Yes, IDFC FIRST Millennia Credit Card is a good option for those looking for a basic credit card with no annual charges. It offers decent rewards along with benefits such as movie discounts and complimentary railway lounge access.
The applicant must have an annual income of at least Rs. 3 lakh. Apart from this, your eligibility depends on other internal policies as set by the credit card provider.
At present, only FIRST Classic, FIRST Millennia, FIRST Wealth, FIRST Select, FIRST Private, FIRST WOW!, and FIRST SWYP credit cardholders can get FIRST Digital RuPay Credit Card.
No, IDFC FIRST Millenia Credit Card does not offer airport lounge access. However, it offers 4 complimentary railway lounge visits every quarter.
No, IDFC Millennia Credit Card is a lifetime free card and does not charge any joining or annual fees.
To apply for IDFC Millennia Credit Card, you must have an annual income of Rs. 3 lakh or more. Besides this, you may also be required to provide necessary documents at the time of application, as per the bank’s policies.
You can call the 24X7 helpline number 180010888 to contact IDFC FIRST Bank customer care.
Yes, you can contact the customer service and ask if you are eligible for a credit card upgrade. Besides this, in case you become eligible for a better card, the bank also sends you an email or message regarding a credit card upgrade.
Footnotes
- Reward points will be valid for 24 months.
- A one-time fee of Rs. 199 + GST is still applicable at the time of credit card cash withdrawal.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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