IDFC FIRST Millennia Credit Card Features & Benefits

Table of Contents

Summary

IDFC FIRST Millennia Credit Card is a free-for-life credit card for freshers and young working professionals. There are no joining and yearly charges, giving customers a hassle-free and cost-effective method to avail credit as well as accrue rewards. One of the most distinctive aspects is earning reward points on every purchase made, such as 10X reward points for large-value spends, 6X reward points on dining, entertainment, groceries, and more, and 3X reward points on net spends. The icing is that these reward points do not have any expiration period, so they’re extremely useful.

This card also has a few privileges such as exemption of a 1% fuel surcharge, 4 complimentary visits to the railway lounge for every quarter, and cashback on the first EMI transaction. Exclusive discounts are also provided to the customers on movies, shopping, and dining out, thus making the spending experience overall richer. With a minimum interest charge of 9% per annum, this card supports finance management.

As a bonus convenience, the card is contactless-enabled with rapid and safe transactions. The card is flexible EMI on high-value buys, making it ideal for spend management. True, there are some charges such as cash withdrawal charges (₹199 per transaction) and foreign currency markup (3.5%) which one would need to take cognizance of to avoid paying unnecessary charges.

Introduction

If you are looking for a credit card with great rewards, no annual charges, and exciting benefits, the IDFC FIRST Millennia Credit Card can be an appropriate choice. The card is specifically crafted for young professionals, students, and first-time credit card members who want to enjoy premium benefits without paying high fees.

One of the greatest advantages of this card is that it has no joining and annual fees, which means you can use it without paying any extra money. It also offers you cashback, reward points, and discounts while shopping, eating out, traveling, and watching movies. Whether you are an online shopper or like to go out to dine with friends, this card provides you with so many rewards that your spending becomes lucrative.

With this card, you earn reward points on all your purchases. Unlike most other credit cards, these reward points do not expire, and you can use them whenever you feel like. Also, if you pay bills on time and use the card responsibly, it can even assist you in building your credit score, and thus, it becomes easier for you to obtain loans and other financial advantages in the future.

In this article, we will see the features, advantages, eligibility, and how to apply for the IDFC FIRST Millennia Credit Card. Continue reading to learn how this card can reward and simplify your everyday expenses!

What is the IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card is a lifetime-free credit card for young professionals, students, and first-time credit card customers. It charges no joining and annual fees, offering it as a low-cost credit card. The card offers reward points on every transaction, which are not time-bound, and offers exciting benefits like cashback, discounts, and special offers on shopping, dining, traveling, and entertainment.

One of the most attractive features of this card is that it has a low interest rate, 9% to 36% per annum, which enables customers to manage their finances in a much-improved manner. It also comes with a waiver of fuel surcharge, access to airport lounges, and EMI conversion, making it one of the top cards to use daily.

How is the design of the IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card comes with a minimalist and modern appearance that appeals to young consumers. It comes in a glossy black finish with a high-quality matte finish, and it appears very professional and sophisticated. The IDFC FIRST Bank logo is located on the left top, while the Millennia logo is also shown in large fonts, giving it quick recognition.

In contrast to other credit cards, it is easy and neat-looking with everything where it should be. The card number, expiration date, and cardholder name are on the front, and the CVV and other information are on the back for extra security. Its contactless payment makes payments quick and secure by merely tapping the card on a payment terminal.

What are the benefits of the IDFC FIRST Millennia Credit Card?

Here are a few of the most important advantages of real reward points:

1. Lifetime Free Card

No join-up cost

No membership cost

2. Reward Points on All Transactions

3X reward points (3 points per ₹150 spent) on net purchases

10X reward points (10 points per ₹150 spent) on spends over ₹20,000 per month

6X reward points (6 points per ₹150 spent) on dining, grocery, and entertainment

Reward points do not expire.

3. Waiver of Fuel Surcharge

Avail waiver of 1% fuel surcharge on spend of ₹200 to ₹5,000 at fuel stations

4. Airport Lounge Access

4 free railway lounge access per quarter

5. Low Rate of Interest

Interest rates begin at 9% per annum, which is lower than with most other cards.

6. Cashback

5% back on the first EMI payment within 30 days of card activation

7. Shopping & Movie Offers

Discount of 25% on a movie ticket by BookMyShow

Discounts and special offers on high-end brands

What are the fees for the IDFC FIRST Millennia Credit Card?

Here is a simple IDFC FIRST Millennia Credit Card fee breakup.

Joining Fee	₹0 (Free)
Annual Fee	₹0 (Lifetime Free)
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IDFC FIRST Millennia Credit Card?

The following are the primary requirements:

You must be between 18 and 70 years old to apply for the IDFC FIRST Millennia Credit Card.

The income requirement differs according to your employment status:

Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

Your credit score plays a role in the selection process. It is a tendency for IDFC FIRST Bank to favor borrowers with a better credit score usually above 750.

You must be an Indian resident and have valid address proof within the country.

A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an IDFC FIRST Millennia Credit Card?

The documents that you will have to submit to Getana IDFC FIRST Millennia Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IDFC FIRST Millennia Credit Card be used?

Here is the list of places where you can use it:

With the IDFC FIRST Millennia Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your IDFC FIRST Millennia Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The IDFC FIRST Millennia Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IDFC FIRST Millennia Credit Card?

The IDFC FIRST Millennia Credit Card limit is different for individuals because it depends on several parameters. IDFC FIRST Bank reviews your income, credit history, payment history, and outstanding debt before allocating a limit. The high-credit-score (750+) customers with regular income and good financial track record generally receive a higher credit limit.

If you initially get a lower limit, you may request an increment in the credit limit after some months of proper usage. Timely repayment, low utilization of credit, and a good banking relationship with IDFC FIRST Bank can help you get the higher limit. Pre-approved limit hike by the bank from time to time is also given to the eligible customers.

How do you apply for an IDFC FIRST Millennia Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of the IDFC FIRST Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by IDFC FIRST Bank; for instance, you can choose the IDFC FIRST Millennia Credit Card.

Just hover your cursor on the IDFC FIRST Millennia Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest IDFC FIRST Bank branch to apply for the IDFC FIRST Millennia Credit Card.

Request for the credit card application form for the IDFC FIRST Millennia Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the IDFC FIRST Millennia Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IDFC FIRST Bank Card website, or mobile app or by calling their customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an IDFC FIRST Millennia Credit Card in 2025 be right?

Yes, getting an IDFC FIRST Millennia Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

IDFC FIRST Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

IDFC FIRST Millennia Credit Card is an excellent choice for young working professionals, students, and freshers who are in search of a lifetime free card with special advantages. Without membership and annual charges, the Credit card offers an affordable way for the luxury of credit without burning a hole in the pocket and earning valuable rewards.

One of its largest advantages is the reward points on all purchases, whether 10X rewards on high spending or 6X rewards on dining, groceries, and entertainment. The cherry on the cake is that these reward points never expire, and you can redeem them as and when you want. Also, the fuel surcharge waiver of 1%, cashback on the first EMI transaction, and movie ticket and shopping discounts make it even more rewarding.

It provides 4 complimentary railway lounge passes per quarter, too, which enhances comfort during travel. The low interest rate (starting at 9% annually) and flexible EMI options make financial management simpler. Convenience and safety are provided with the feature of contactless payment, enabling fast and safe transactions.