IDFC FIRST Millennia Credit Card

9
Expert ScoreRead review
  • 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.

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IDFC FIRST Millennia Credit Card

9
Expert ScoreRead review
  • 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.
Category:
Reward Type
Reward Points
Renewal Fee
Nil
Joining Fee
Nil
Type of Card
Shopping
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

USP of Card

  • 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.

Fees & Charges

Spend Based Waiver
Nil
Interest Rates
Starting from 0.75% and goes up to 3.5% per month.
Cash Advance Charges
3.5% of the total transaction amount
Rewards Redemption Fee
Rs 99 per redemption request (plus applicable taxes)
Fuel Surcharge
1% fuel surcharge waiver at all fuel stations and on all fuel purchases across India (Upto Rs 200 every month).
Foreign Currency Markup
Transaction fees of Rs. 199
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
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).
Reward Redemption
NA
Zero Liability Protection
Zero Liability protection upto Rs 25,000. Not valid on PIN Based transactions.
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.
Travel
Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.
Online Shopping offers
6x reward points on all online spends and 3x reward points on all offline spends.
Insurance Benefits
Personal Accidental Cover worth Rs. 2 Lakhs on all active cards. Lost Card Liability Cover of Rs 25,000.
Domestic Lounge Access
NA
International Lounge Access
NA
9Expert Score
  • 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.
Best values score
9
PROS
  • With this card, you get complimentary railway lounge access which is highly beneficial for domestic travellers who prefer to travel by railways.
  • This card has a great advantage as it is a lifetime free card.
CONS
  • You won’t be provided with any domestic or international lounge access with the IDFC First Millennia Credit Card.
  • There is a reward redemption fee of Rs. 99 with this card.
9Expert Score
  • 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.
Best values score
9
PROS
  • With this card, you get complimentary railway lounge access which is highly beneficial for domestic travellers who prefer to travel by railways.
  • This card has a great advantage as it is a lifetime free card.
CONS
  • You won’t be provided with any domestic or international lounge access with the IDFC First Millennia Credit Card.
  • There is a reward redemption fee of Rs. 99 with this card.

Specification: IDFC FIRST Millennia Credit Card

Bank Name

IDFC FIRST BANK

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card

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