IDFC FIRST Millennia Credit Card

Looking for a credit card that actually rewards your daily spending without charging extra fees? The IDFC First Millennia Credit Card might be a great fit for you. It comes with lifetime free benefits, attractive rewards, and useful features that help you save more on everyday purchases. Designed especially for millennials and young professionals, this card focuses on giving real value without complicated conditions.

From online shopping and easy EMI options to cashback on regular transactions, the Millennia Credit Card helps you get more out of every swipe. It’s simple to use, flexible, and perfectly suited for a modern lifestyle etc.

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Features and Benefits

Aspects that make spending using this card lit as the sun!

  • Welcome Bonus
  • Movie offer
  • Fuel
  • Up to 3X Rewards
  • Shopping
  • Cashback
  • Dining
  • Lounge Access
Welcome Bonus
  • 5% cashback (up to ₹1,000) on first EMI transaction within 30 days
  • Complimentary Roadside Assistance worth ₹1,399
Zero Lost Card Liability
  • Zero liability post reporting of lost/stolen card
  • 24×7 customer care for emergency reporting
Milestone Benefit
  • Spend ₹1,00,000 in a year and get 2x reward points for the rest of the year
  • Additional discount and vouchers via app-based offers
Fuel Surcharge
  • 1% fuel surcharge waiver across all petrol pumps
  • Valid for transactions between ₹200 – ₹5,000
Reward Points
  • 10X reward points on spends above ₹20,000/month
  • 6X on online spends and 3X on offline (excluding rent, insurance, EMI)
Emi Benefit
  • Low interest rates (starting from 0.75% p.m.)
  • Flexible tenure options from 3 to 36 months

Fees and Charges – IDFC Millennia Credit Card

Category Details
Joining Fee Free
Annual Fee Free
EMI Conversion Yes
Reward Type Reward Points

Eligibility Criteria for IDFC Credit Card

Minimum Age Requirement: Salaried individuals must be at least 21 years old. Self-employed applicants should be 23 years or older.

Monthly Income: Minimum income of ₹20,000/month is required to ensure financial capability.

Resident Status: Must be an Indian resident with a valid credit history. A good credit score improves approval chances.

Stable Income Source: Whether salaried or self-employed, a steady income with valid financial documents is essential.

Documents Required to Apply

Once you’re sure you meet the eligibility, keep these documents handy to complete your application quickly:

Identity Proof (Any one): PAN Card, Aadhaar Card, Voter ID, Passport

Address Proof (Any one): Aadhaar Card, Utility Bill (electricity/gas/water), Passport

Income Proof (Any one): Latest salary slips (salaried), Bank statement, ITR (self-employed)

Photograph: One recent passport-size photo

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