IDFC FIRST Milllennia Credit Card

IDFC First Millennia Credit Card Overview

Tailored for high spenders, the IDFC FIRST Millennia Credit Card offers a lifetime-free credit card option. With an incremental rewards program, cardholders can maximize its benefits by spending more than Rs. 20,000 monthly, allowing them to earn 10X points at an accelerated rate. 

The reward points earned never expire, enabling users to accumulate substantial value-back rewards. To determine if the IDFC FIRST Millennia Credit Card aligns with your needs, here is all the essential information you need to know about this credit card.

IDFC First Millennia Credit Card Privileges and Benefits

Rewards:

Earn 10 times Reward Points on spending Rs 20,000 and above.

Earn 10 times Reward Points on all purchases made on your birthday.

Earn 6 times reward points on all online purchases and 3 times reward points on all offline purchases.

Note:

Earn 1 Reward Point per Rs. 150 spent with a redemption value of Rs. 0.25 for 1 Reward Point.

Please note that Reward Points earning and the 10X threshold are not applicable for transactions involving Fuel, EMI, Insurance, and Cash Withdrawals.

While Rent payment will accumulate reward points at a rate of 3X, it will not be included in the 10X reward program or 10X threshold calculations.

Additional Privileges:

1. Receive a fuel surcharge waiver at all gas stations across India (up to Rs. 200 every)
2. Get complimentary access to the Railway Lounge four times a quarter.
3. Receive complimentary roadside assistance worth Rs. 1399.
4. Avail of a personal accidental cover worth Rs 2 Lacs on all active cards.
5. First Millennia Credit Card Charges
6. Interest Rates: 9% to 42% per annum 
7. Cash Advance Charges: Rs. 199
8. Over Limit Charges – 2.5%
9. Credit Card: Its Depends on Bank Internal Policy and Customer Profile and also on customer credit score

Late Payment Fee: 

• Nil for Rs.100
• Rs.100 for Rs.500 or above
• Rs.750 for Rs.5000
• Rs.1200 for Rs. 8000
• Rs. 1250 for Rs. 10,000
• Rs. 1250 for more than Rs. 10,000