IDFC FIRST Millennia Credit Card – a lifetime free card packed with rewards, cashback, lounge access, and more. Tailored for millennials and first-time cardholders, this card offers 3x to 10x reward points, interest-free cash withdrawals, dining discounts, and zero annual fees. Learn about its features, benefits, application process, fees, and how it compares to other cards. Get expert tips on maximizing your rewards and avoiding common mistakes.
Table of Contents
Introduction: IDFC FIRST Millennia Credit Card
Ever feel like credit cards are either too boring or too complicated? Same here. But then comes along a card that doesn’t just sit in your wallet—it actually works for your lifestyle. Enter the IDFC FIRST Millennia Credit Card—a modern-day financial tool designed specifically for young adults who love cashback, rewards, and flexibility.
Overview of the IDFC FIRST Millennia Credit Card
2.1 Designed for Millennials
This card was made with the modern Indian consumer in mind. Think online shopping, weekend movies, late-night food orders, and even those spontaneous Goa trips—it fits all those bills.
2.2 Issued by IDFC FIRST Bank
Backed by the credibility of IDFC FIRST Bank, this credit card combines user-friendly features with robust security and a rewards engine that actually makes sense.
Key Features Of IDFC FIRST Millennia Credit Card
3.1 Lifetime Free – No Hidden Charges
You read that right. There’s no annual fee, no joining fee, and no sneaky terms tucked in the fine print. It’s truly lifetime free—which is rare these days.
3.2 Interest-Free Cash Withdrawals
Need to withdraw cash but dread those ugly interest rates? With this card, you get up to 48 days interest-free on cash withdrawals—just a small convenience fee applies.
3.3 Dynamic Reward System
From spending on groceries to flights, the rewards system adapts to how and where you shop. You earn more where you spend more. Simple.
Detailed Reward Points System
4.1 How You Earn Points
- 3x reward points on all online and offline purchases.
- 10x reward points on spends above ₹20,000/month.
- 6x reward points on spending during weekends.
- 1 Reward Point = ₹0.25 (25 paise)
There’s no cap on how much you can earn. The more you swipe, the more you gain.
4.2 Redemption Options
4.2.1 Cashback
Convert your points directly into cashback—no weird conversions or blackout dates.
4.2.2 Travel and Gift Vouchers
Want flight discounts or a shopping spree at your favorite brand? Points can be used for vouchers too.
IDFC FIRST Millennia Credit Card Benefits
5.1 Movie & Dining Offers
Enjoy BOGO (Buy One Get One) movie deals and up to 20% off on dining through partnered outlets.
5.2 Fuel Surcharge Waiver
No extra charges on fuel? Yes, please. Get fuel surcharge waived up to ₹200 per month.
5.3 Free Airport Lounge Access
Traveling for work or fun? You get 4 complimentary railway lounge accesses and up to 2 airport lounge visits per quarter.
Eligibility Criteria – Who Can Apply?
Good credit score (ideally 700+)
Age: 18 to 65 years
Indian resident
Stable monthly income (varies based on city)
How to Apply – A Quick Walkthrough
- Visit IDFC FIRST Bank’s website.
- Select “Millennia Credit Card.”
- Fill in your details.
- Submit documents (PAN, Aadhaar, salary slip/ITR).
- Verification and approval.
- Voila! Card delivered to your doorstep.
Common Mistakes to Avoid
- Missing due dates (interest adds up!)
- Ignoring point expiry
- Using for EMI purchases (reduces reward earning)
- Not reading offer terms
Conclusion
Absolutely, if you’re looking for a fee-free, feature-rich credit card that rewards your everyday lifestyle. Whether you’re a first-time cardholder or just want a reliable backup card, the IDFC FIRST Millennia Credit Card is a smart pick.
Axis Bank IndianOil Credit Card: A Complete Guide
FAQs
What is the IDFC FIRST Millennia Credit Card?
It’s a lifetime-free credit card by IDFC FIRST Bank designed for young professionals and students, offering rewards, lifestyle benefits, and interest-free EMI options.
Is there an annual or joining fee?
No, this card comes with zero annual or joining fees for life.
Who can apply for this credit card?
Indian residents between 21 and 45 years old with a steady income (salaried or self-employed) and a good credit history are eligible.
What are the main features of this card?
It offers up to 10X rewards, free lounge access, interest-free cash withdrawals, EMI conversion options, and fuel surcharge waivers.
How do the reward points work?
You earn 6X rewards on online spends, 3X on offline spends, and 10X on monthly spends above ₹20,000. Points are redeemable at ₹0.25 per point.
Is there any limit or expiry on reward points?
No, there is no expiry or cap on reward points, and redemptions are free of charge.
Does the card offer cashback?
While it doesn’t provide direct cashback, reward points can be redeemed for discounts, gift cards, and online purchases.
Is it a good card for online shoppers?
Yes, it’s ideal for online shopping, offering 6X rewards on all eligible online transactions.
Can I convert my purchases into EMIs?
Yes, you can convert eligible purchases into EMIs instantly, often with competitive interest rates.
Does it include a fuel surcharge waiver?
Yes, you get a 1% waiver on fuel surcharge for transactions between ₹200 and ₹5,000.
Are there any travel or lounge benefits?
Yes, the card provides 4 complimentary railway lounge accesses per quarter at select locations in India.
Is there a mobile app for managing the card?
Yes, you can manage your card through the IDFC FIRST Bank mobile app, which includes spend tracking, payments, and rewards.
What are the interest rates on unpaid balances?
Interest rates vary between 0.75% to 3.5% per month (9% to 42% annually), depending on your credit profile.
Can I use this card for international purchases?
Yes, international transactions are supported, but a 3.5% foreign currency markup fee applies.
How can I apply for the IDFC FIRST Millennia Credit Card?
You can apply online via the IDFC FIRST Bank website or app, or visit a nearby branch. The process is quick for eligible applicants.