IDFC FIRST Millennia Credit Card

Home » Credit Card » IDFC FIRST Millennia Credit Card

4.5

Average Review

IDFC FIRST Millennia Credit Card

Swipe smarter with the FIRST Millennia Credit Card – lifetime free, 5% cashback on first EMI, instant EMI options, and unlimited rewards that never expire.

  • fuel offer
  • lounge offer
  • lifetime free
  • cashback discount
Visit Site Apply Now Terms & Conditions Apply

Details for IDFC FIRST Millennia Credit Card

The IDFC FIRST Millennia Credit Card is packed with rewards and benefits for everyday spenders. Earn unlimited reward points—1X on utility and insurance, 3X on general spends up to ₹20,000, and 10X on spends above ₹20,000 or on your birthday. Points never expire and can be used instantly. Enjoy 5% cashback on your first EMI transaction, complimentary railway lounge access, roadside assistance, and over 300 merchant offers. With fuel surcharge waivers, personal accident cover, lost card liability protection, and interest-free cash withdrawals, this card offers value, convenience, and protection all in one smart financial tool.

₹
Joining Fee

0

₹
Annual Fee

0

Lounge Offer

  • Yes

Reward Points

  • 1X Reward Points on Insurance premium payments and Utility bill payments
  • Unlimited Reward points that never expire
  • 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday
  • 3X Reward Points on applicable online & offline purchases for spends up to ₹20,000 per month
  • Reward points to instantly pay

Additional Benefits

  • Forex Markup at 5% for all international transactions
  • Reward Redemption Fee of ₹99+GST will be applicable per redemption transaction.
  • Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction
  • Interest free cash withdrawals
  • Welcome Benefits
  • 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
  • 4 complimentary Railway lounge visits per quarter
  • Complimentary Roadside Assistance worth ₹1,399
  • Fuel surcharge waiver of 1%
  • 300+ Merchant offers
  • Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000
  • Instant EMI conversion

pros

  • Lifetime Free Card
  • Zero Joining Fees
  • Zero Annual Fee
  • Premium Travel Privileges
  • Exclusive Airport Lounge Access
  • Flexible Payment Solutions
  • Comprehensive Rewards on Utility Payments and More
  • Fuel Surcharge Waiver
  • Hassle-Free Cash Advances
  • Flexible EMI Options
  • Exclusive Introductory Offers
  • Attractive Card Renewal Rewards
  • Valuable Membership

Cons

  • Terms and Conditions Included
  • Comparitively Less Reward Points
  • Absent Annual Fee Waiver
  • No Card Renewal Rewards

Share with