Apply For Lifetime Free IDFC First Millennia Credit Card & Get ₹1,000/- Now

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This article extensively covers IDFC First Bank Millennia Credit Card benefits & latest offers, eligibility, how to apply online, charges, limits, annual fee, cash withdrawal facility, welcome benefits, movie offer, features, reward program, etc.

IDFC First Millennia Credit Card Apply | IDFC First Bank First Millennia Credit Card How To Apply Online To Earn ₹1,000/-

Step 1: Visit Cashkaro.com (its a trusted website funded by Mr. Ratan Tata)

Click here to visit cashkaro.com. Signup using email id or mobile number as shown in the image below.

idfc first bank millennia credit card benefits

Step 2: Scroll Down to Best In Finance Category

Click on View All as shown in the image below.

idfc first bank millennia credit card benefits

Step 3: Select IDFC First Bank Credit Card

Click on the icon for IDFC First Bank Lifetime Free Credit Card as shown in the image below.

idfc first bank millennia credit card benefits

Step 4: Click on Apply Now

After thoroughly reading all the terms, conditions, offers & other details, click on apply now.

idfc first bank millennia credit card benefits

Also read: Ola Slashes Prices During Bharat EV Fest Ola 2023! See the New Prices Here

Step 5: Click on Visit IDFC First Credit Card

After clicking on apply now in the step 4 above, the reward gets activated. Now, click on Visit IDFC First Credit Card as shown in the image below.

idfc first bank millennia credit card benefits

Step 6: Submit Important Details & Complete the Application.

After step 5, it will take to you IDFC First Bank Credit Card’s website where you need to complete the form by filling all the necessary details.

idfc first bank millennia credit card benefits

IDFC First Millennia Credit Card Offers

IDFC First Millennia Credit Card Travel Offers.

  1. Easemytrip.com
  2. Yatra.com
  3. Musafir.com
  4. Expedia.co.in
  5. KLOOK
  6. Abhibus
  7. Hotels.com
  8. Rentalcars.com

IDFC First Millennia Credit Card Dinning Offers

IDFC First Millennia Credit Card Wellness Offers | IDFC First Millennia Credit Card Medicines Offers

  1. Medibuddy
  2. Thyrocare

IDFC First Millennia Credit Card Entertainment Offers

IDFC First Millennia Credit Card Electronics Offers

IDFC First Millennia Credit Card Eligibility

  • Applicant should be salaried or self employed.
  • Minimum income should be ₹3,00,000/- per year for salaried individuals (₹25,000/- each month).
  • Minimum income should be ₹5,00,000/- per year for self employed individuals.
  • Applicant should have good credit score (minimum CIBIL score should be 750).
  • Minimum age should be 21 years for salaried individual and 25 years for self employed individual. Maximum age should be 60 years.
  • Final decision is based on assessment as per bank’s internal policies.

IDFC First Millennia Credit Card Charges

Its a lifetime free credit card with zero joining fee & zero annual fee. Additionally, if you apply following the procedure mentioned in this article, you get minimum reward of ₹1,000/-.

Minimum interest rate 0.75% per month i.e., 9% per annum.

Maximum interest rate 3.5% per month i.e., 42% per annum.

Free credit period up to 48 days on cash withdrawals within India and abroad. (transaction fee of ₹199/- & GST extra applicable)

Overlimit charges of 2.5% minimum ₹500/-

If dues paid late, 15% of amount due would be charged as late payment fee. Minimum ₹100/- and Maximum ₹1,250/-.

On international transactions, a mark-up fee of 3.5% applicable.

For detailed schedule of charges, click here.

IDFC First Millennia Credit Card Welcome Benefits

  • If you spend ₹5,000/- or more within 30 days of card generation, you get a welcome voucher of ₹500/-.
  • If you do an EMI transaction within 30 days of card generation, you get 5% of transaction value as cashback up to ₹1,000/-.
  • Steps to claim welcome benefits: Click Here.

IDFC First Bank Millennia Credit Card Benefits & Advantages | IDFC First Millennia Credit Card Benefits India

  • Outstanding rewards program that can be seen in the next section below.
  • 25% Off maximum up to ₹100 on Paytm Mobile App on movie tickets once each month as a part of IDFC Millennia Credit Card Movie Offer.
  • Railway lounge access as per details mentioned in separate section below.
  • Roadside benefits worth ₹1,400/-
  • Fuel surcharge can be waived by 1% maximum ₹200/- each month across India. Minimum transaction value should be ₹200/- and maximum ₹5,000/-
  • In case of card loss, liability cover of ₹25,000/-.
  • Personal accident covered to the tune of ₹2,00,000/-, if at least a single transaction is done in last 30 days.
  • For detailed terms & conditions & steps to avail the benefits, click on the button below.

IDFC First Millennia Credit Card Rewards Program

  • 10 reward points for each 1 rupee spent if incremental spends cross ₹20,000/- each month (excluding rental, property management, insurance premium & utility bill payments).
  • 6 reward points for each 1 rupee spent online & 3 reward points for each 1 rupee spent offline up to ₹20,000/-
  • 3 reward points for each 1 rupee spent on rental & property management.
  • 1 reward points for each 1 rupee spent on insurance premium & utility bill payments.
  • Reward points has no expiry date.
  • 1 reward point is worth ₹0.25/-
  • No rewards on fuel, EMI and cash withdrawal transactions.

IDFC First Millennia Credit Card Features

  • Lifetime Free.
  • Convert to EMI option available on transaction above ₹2,500/-.
  • Balance transfer from non IDFC bank credit card option available.
  • Balance outstanding can be converted in to EMIs of 3 to 18 months.
  • Welcome benefits.
  • Fuel surcharge waiver.
  • Insurance cover.
  • Railway Lounge access
  • Reward points with no expiry date.
  • Cash withdrawal facility available at minimum charges.

IDFC First Millennia Credit Card Review

This card is actually one of the best credit cards in life free credit card category with so many benefits to offer. From our personal experience, we can say that this card is here not just to satisfy but to delight the customers. We would rate this card at 4.5 of out 5 stars.

IDFC First Bank Millennia Credit Card Airport Lounge Access / IDFC Millennia Credit Card Railway Lounge Access

Airport lounge access is no where mentioned on IDFC First Millennia Credit Card website. However, Railway lounge can be visited 4 times each quarter as a complimentary visit.

Read more such content: Click Here.

Frequently Asked Questions

Can we withdraw money from Millennia credit card?

Yes, cash withdrawal option is also available with IDFC First Millennia credit card. Free credit period up to 48 days on cash withdrawals within India and abroad. (transaction fee of ₹199/- & GST extra applicable).

What is the annual fee of Millennia Card?

The IDFC First Millennia Credit Card is a lifetime free credit card with zero joining and annual fees. Click here to know detailed charges.

Does IDFC First Millennia Credit Card Airport Lounge Access?

No, the IDFC First Millennia Credit Card has only Railway Lounge Access. Railway lounge can be visited 4 times each quarter as a complimentary visit.

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