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IDFC First Millennia Credit Card

IDFC First Millennia Credit Card is designed for the millennial lifestyle with 10x never-expiring reward points, low interest rates and impressive merchant discounts. This card has absolutely no registration/membership/annual fees, so it's a free credit card for life.

Key Highlights of IDFC FIRST Millennia Credit Card

  • Joining fee: Nil.
  • Annual fee: Nil.
  • EMI conversion facility: Available on transactions above Rs. 2,500. 
  • Interest Rates (APR): 0.75% to 3.5% per month (9% to 42% per annum).
  • Suitable for: Rewards and cashback.
  • Age: 21 to 65 years.
  • Minimum Net Monthly Income: Rs. 25,000.

Features & Benefits of IDFC FIRST Millennia Credit Card

Joining Benefits

  • Welcome voucher worth Rs. 500 on spending Rs. 15,000 or above within 90 days of card issuance.
  • 5% cashback (maximum up to Rs. 1,000) on the transaction value of first EMI done within 90 days of the card generation.

Reward Points 

  • 10X reward points on incremental spends of more than Rs. 20,000 per month and also on spends done on your birthday.
  • 6X reward points on online purchases for spends up to Rs. 20,000 per month.
  • 3X reward points on offline purchases for spends up to Rs. 20,000 per month.
  • The reward points are unlimited and never expire.
  • Reward points can be used instantly to pay for online or in-store purchases.
  • 1X = 1 Reward point per Rs. 150 spent 
  • 1 Reward point = ?0.25

Lounge Visits

  • 4 complimentary railway lounge visits each quarter.


  • Complimentary Roadside Assistance worth Rs. 1,399
  • Personal Accident Cover worth Rs. 2,00,000 and Lost Card Liability Cover worth Rs. 25,000. Offer valid on doing at least one transaction with FIRST Millennia Credit Card within the last 30 days.


  • 25% discount (up to Rs. 100) on booking movie tickets on Paytm mobile app (valid once per month).
  • Up to 20% discount at more than 1500 restaurants. 
  • Up to 15% discount at over 3000 Health & Wellness outlets.

Purchases to EMI Conversion

  • Convert all your transactions above Rs. 2,500 into easy Equated Monthly Instalments (EMIs) from your mobile app.
  • Instant EMI conversion of all online transactions above Rs. 2,500 on the IDFC FIRST Bank’s OTP page.

Credit Card Balance Transfer

  • Transfer balances from your other bank credit cards conveniently with IDFC’s balance transfer privilege. 
  • Convert your outstanding balance into easy EMIs with flexible tenure of 3 to 18 months.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India.
  • Benefits available up to Rs. 200 per month

IDFC FIRST Millennia Credit Card Fees & Charges

  • Joining fee: Nil
  • Annual fee: Nil
  • Add-on card fee: Nil
  • Interest rate (APR) on purchases, cash advances & outstanding balances due: 0.75% to 3.5% per month (9% to 42% per annum).
  • Overdue interest: 3.99% per month (47.88% per annum)
  • Over-limit charges: 2.5% of the over-limit amount, subject to a minimum of Rs. 500
  • Late payment charges: 15% of the total amount due, subject to a minimum of Rs. 100 & a maximum of Rs. 1,250.
  • Forex markup: 3.5% for all international transactions
  • Cash advance/ transaction fee: Rs. 250
  • Image personalisation fee: Rs. 499
  • Return of cheque/ auto-debit/ payment return: Rs. 250 per returned cheque/ auto-debit/ payment return.
  • Card replacement fee: Rs. 100
  • EMI fees: 1% of the transaction value, subject to a minimum of Rs. 99.
  • Convenience fee: Effective from 01.10.2022, a convenience fee of Rs. 99 + applicable taxes will be levied on the redemption of reward points.
  • Goods and Service Tax (GST): GST (presently 18%), as notified by the Government of India, is applicable on all the charges mentioned above.

IDFC FIRST Millennia Credit Card Eligibility

  • Minimum net monthly income: Rs. 25,000 (subject to change). 
  • Age: Applicant must be aged between 21 to 65 years in order to apply for an IDFC FIRST Bank Credit Card.
  • Citizenship: Applicant must be an Indian resident having a current and permanent residential address within India.
  • Location: IDFC FIRST Bank maintains a set of cities which are allowed for sourcing cards.
  • Credit bureau history: Applicant should have a good credit score and no evidence or history of defaulting on loans/ missing payments on loans or credit cards.
  • Internal policy criteria: IDFC FIRST Bank runs certain internal policy criteria to choose a customer for issuing credit cards. Internal policy criteria are usually based on the applicant’s bureau history, any existing relationship with the bank, customer demographics, and credit exposure. The final decision to issue a credit card to the applicant is at the bank’s sole discretion, according to the mentioned internal policies.

IDFC FIRST Millennia Credit Card Documents Required

  • Address proof: Passport/ Aadhaar Card/ Voter ID/ Ration Card.
  • Identity proof: Passport/ Aadhaar Card/ Driving License.
  • Income proof: Form 16, Income Tax Returns, and Salary Slip.

How to Apply for IDFC FIRST Millennia Credit Card?

  • Open the IDFC FIRST Millennia Credit Card page by clicking the https://www.idfcfirstbank.com/credit-card/millennia link.
  • Click on the Apply Now button.
  • Enter your name as per your Aadhaar Card.
  • Enter your date of birth.
  • Mention your mobile number.
  • Click on the Get OTP button.
  • Enter the OTP received on your mobile phone.
  • You will soon receive a call from the bank’s representative regarding taking the application process ahead.
  • Alternatively, you can also apply for an IDFC FIRST Millennia credit card through our website or by visiting the nearby IDFC FIRST Bank branch.

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