IDFC First Millennia Credit Card: Benefits, Eligibility and Charges

Do you know that the IDFC First Millennia Credit Card attracts interest as low as 8.5% per annum? If you apply for this card, you can enjoy benefits like railway lounge access, fuel surcharge waiver and others. Explore the features, eligibility criteria, fees and charges for this card before you apply.

IDFC First Millennia Credit Card Benefits 

With the IDFC First Millennia Credit Card, you can earn 3x reward points on online purchases of ₹20,000 per month. Here are some other perks that you can avail:

• 4 complimentary IDFC First Millennia Credit Card lounge access for railway lounges per quarter and roadside assistance of ₹1,399.
• 1% fuel surcharge waiver up to ₹200 per month.
• Convert purchases above ₹2,500 into Equated Monthly Instalments (EMI).
• Welcome voucher of ₹500 on spending ₹5,000 within the first 30 days of card issuance.
• A 20% discount across 1,500 partnered restaurants.
• Enjoy interest-free cash withdrawals for up to 48 days (a ₹199 one-time cash withdrawal charge applies along with GST).
• 25% off on movie tickets.
• Up to ₹1,000 cash back on your first EMI.

IDFC First Millennia Credit Card Eligibility Criteria

IDFC First Bank mandates certain eligibility criteria for the Millennia Credit Card based on age, income and residential status. Here are the details:

• You must be above 18 years.
• As an applicant, you need to be an Indian citizen.
• Your monthly income needs to be at least ₹25,000 or your annual income must be at least ₹3 lakh.

Notably, you need to provide necessary documents such as PAN card, Aadhaar card or other identity proof, address proof and income proof when you apply for the Millenia card.

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IDFC First Millennia Credit Card Fees and Charges

Credit cards usually come with certain charges like joining and annual fees, along with interest on outstanding balances or cash withdrawals. Let’s look at the detailed fee structure for the IDFC FIRST Millennia Credit Card:

Notably, IDFC FIRST Bank may require a specific credit score to approve the Millennia Credit Card. However, if you do not have a credit history, you can opt for a secured card like the Suryoday Small Finance Bank–Stable Money Credit Card, which is issued against a fixed deposit.

Download the Stable Money app now to book yours now!