IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card
10X rewards on birthday & spends ≥ ₹20k/month
8X rewards on insurance/utility payments
1X rewards on other spends
Personalized Match by CredHunt • credhunt.com
Entry-level lifestyle credit card offering accelerated rewards on milestone spending with no fees and applicable for moderate income earners
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
10X rewards on birthday & spends ≥ ₹20k/month
8X rewards on insurance/utility payments
1X rewards on other spends
Airport lounge visits quarterly
4 railway lounge visits quarterly
Intercity cash withdrawals (₹100 + GST per transaction)
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
2 reward points per ₹100 spent on other categories
Point Value
1pt=₹1
Points Expiry
N/A
Bonus Rewards
Welcome Offer
Free Forbes Digital Subscription, Club Marriott, Swiggy One (3 months), MakeMyTrip Black Elite Tier, Amazon Prime on spending ₹1.5 lakh in first 90 days
Accelerated Rewards
8 Marriott Bonvoy Points per ₹150 spent at Marriott Bonvoy hotels; 4 Marriott Bonvoy Points per ₹150 on travel, dining & entertainment
Card Benefits
Travel Benefits
NA
4 complimentary domestic airport lounge visits per quarter; 2 complimentary international lounge visits via Priority Pass
Dining & Entertainment
3% Cashpoints on dining expenses
1+1 weekly tickets
Lifestyle & Protection
Private jet bookings
Multiple insurance covers including air travel insurance; Credit Shield Cover
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | Waiver available (details not specified) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived on spends of ₹1,00,000
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹6L+
Expert Opinion
Solid utility-focused card with strong 5% cashback on utility bills and fuel spends. Value proposition is enhanced for Premium Banking customers who get additional lounge benefits. Regular customers may find better value elsewhere unless they have high utility and fuel spending patterns.
Customer Reviews
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Experience the premium benefits of the IDFC FIRST Millennia Credit Card today.