Travel on Points

IDFC FIRST Millennia Credit Card

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  • Joining fee

    Nil

  • Annual fee

    Nil

  • Best suited for

    Movies, Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    10 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, 1X Reward Points per ₹200 Spent on Insurance, Utilities, Railways, and FASTag Recharges, and 3 Reward Points per ₹200 Spent on All Other Eligible Transactions

  • Welcome benefits

    5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation

  • Reward redemption

    1 Reward Point = ₹0.25

Benefits

  • Movie & dining

    25% Discount Up to ₹100 on District App (Benefit Available on Completing at Least One Transaction in the Previous Calendar Month)

  • Travel

    Four Free Railway Lounge Access Each Quarter (Spend ₹20,000 Each Month to Unlock)

  • Insurance

    Personal Accidental Cover Worth ₹2 Lakh and Lost Card Liability Cover of ₹25,000

Fees & charges

  • Spend-based waiver

    Nil

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5% of the total transaction value.

  • Interest rates

    8.5% to 46.2% Per Annum

  • Fuel surcharge waiver

    1% Waiver for Fuel Transactions Between ₹200 and ₹5,000

  • Cash advance charges

    ₹199 + GST Per Transaction

Product highlights

  • Zero annual fee credit card.
  • Comes with never-expiring reward points.
  • Complimentary railway lounge access 4 times in a quarter.
  • Complimentary roadside assistance worth ₹1399
  • Personal Accidental Cover worth ₹2 lakh on all active cards.
  • Fuel surcharge waiver on all fuel purchases up to ₹200 per month.

Pros & cons

Pros

  • With this card, you get complimentary railway lounge access, which is highly beneficial for domestic travelers who prefer to travel by railway.
  • This card has a great advantage as it is a lifetime free card.

Cons

  • You won’t be provided with any domestic or international airport lounge access with the IDFC First Millennia Credit Card.
  • There is a reward redemption fee of ₹99 with this card.

FAQs

Will I earn Reward Points on every purchase or spend I make?

Yes, you earn rewards on every purchase or spend, except on cash withdrawals, fuel, and EMI transactions.

Does this credit card provide cash withdrawals from ATMs?

Yes. With the IDFC First Millennia credit card, you can enjoy interest-free cash withdrawals from the ATM for 48 days.