IDFC Millennia Credit Card: Rewards, Fees, & Benefits

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Key Highlights of the FIRST Millennia Credit Card by IDFC FIRST Bank

Here is a quick view of the primary features of this credit card:

Feature	Details
Joining Fee	₹0
Annual Fee	₹0
Best Suited For	Rewards on lifestyle spends
Key Feature	10X Reward Points on spends over ₹20,000 and birthday purchases*
Welcome Bonus	Voucher worth ₹500 on spending ₹5,000 within the first 30 days

Features and Benefits

IDFC FIRST Bank has designed the card specifically for young credit seekers. Here is a list of benefits that you can enjoy with this card:

No Annual or Joining Fees

Enjoy cashback, deals, and perks with no maintenance charges as this is a lifetime-free credit card.

Welcome Offer

Get ₹500 as a voucher on spending ₹5,000 or more within the first 30 days of getting the card.

Cashback up to ₹1,000

Pay your first EMI within 30 days of card activation and enjoy a cashback of 5% on the transaction value.

Unlimited Rewards

Collect reward points you can redeem anytime as they never expire.

*10X Points on High Spends

Earn 10X reward points on monthly spends over ₹20,000 and on your birthday spends.

Rewards on Everyday Shopping

Get 3X points on purchases, both online and offline, on spending up to ₹20,000 each month.

Rewards on UPI Transactions

You can link this credit card with your UPI ID and earn up to 3X points on all UPI transactions.

Savings on Movie

Save 25% on movie ticket bookings up to ₹100 via Paytm App, once a month.

Railway Lounge Privileges

Travel comfortably with 4 complimentary railway lounge visits per quarter.

Roadside Assistance

Benefit from complimentary roadside assistance worth ₹1,399.

Waiver on Fuel Surcharge

Get a 1% surcharge waiver (up to ₹200) on monthly fuel spends at pumps across India.

Year-round Offers

Access 300+ offers, including up to 20% off at 1,500+ restaurants and 15% off at 3,000+ wellness centres, and save more.

EMI Conversion

Pay bills comfortably by converting any transaction of ₹2,500 and above into instant EMIs via net banking

Comprehensive Insurance

Get personal accident insurance of ₹2,00,000 and lost card liability cover of up to ₹25,000.

IDFC FIRST Millennia Credit Card’s Reward Program

Here are the key details about earning reward points with the

FIRST Millennia Credit Card:

A. Reward Points

The FIRST Millennia Credit Card offers 10X points on spends over ₹20,000 per month and on your birthday.

You earn 3X reward points on online and offline purchases for spending up to ₹20,000 per month.

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Cash Value (₹)
Online Shopping	₹15,000	300	75
Grocery Shopping	₹5,000	100	25

Disclaimer: The above example is for illustration purposes only.

You can earn up to 3X reward points on all UPI transactions.

Here is how it works:

Purchase (Monthly)	Amount	Reward Points	Cash Value (₹)
UPI Payment 1	₹10,000	200	50
UPI Payment 2	₹5,000	100	25
UPI Payment 3 (1X Reward Points on transactions below Rs. 2,000)	₹1,500	10	2.5

Disclaimer: The above example is for illustration purposes only.

Additionally, you earn 1X reward points on insurance premiums and utility bill payments.

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Cash Value (₹)
Insurance Premium	₹3,000	20	5
Utility Bills	₹1,500	10	2.5

Disclaimer: The above example is for illustration purposes only.

Note: 1X = 1 reward point on spending ₹150 where 1 reward point = ₹0.25.

B. Redemption Process

IDFC FIRST Bank’s redemption process is simple. All you need to do is visit the

PoshVine rewards portal and log in with your credit card and mobile numbers. You can redeem reward points for immediate payment on online and certain in-store purchases.

You can also use them to buy gift cards and OTT memberships. A rewards redemption fee of ₹99 + GST is applicable per redemption transaction.

C. Expiration

The best part about this card’s points is that they never expire. You can redeem them whenever you choose to.

D: Example of Savings

Based on the previous examples, here is an overview of your anticipated annual expenses and savings:

Category	Details	Conversion	Cash Value (₹)
Incremental Spends	Accelerated Category Spends (10X) Assuming spends of ₹25,000 p.m./ ₹3,00,000 p.a.	Reward Points = 8800	2200
Online & Offline Purchases	Accelerated Category Spends (3X) Assuming spends of ₹20,000 p.m./ ₹2,40,000 p.a.	Reward Points = 4800 3X (₹2,40,000/150)	1,200
UPI Payments	Accelerated Category Spends (3X) Assuming spends of ₹15,000 p.m./ ₹1,80,000 p.a.	Reward Points = 3600 3X (₹1,80,000/150)	900
Insurance and Utilities	Normal Category Spends (1X) Assuming spends of ₹4,500 p.m./ ₹54,000 p.a.	Reward Points = 360 1X (₹54,000/150)	90
Roadside Assistance Cover			1,399
Total Annual Savings			₹5,789

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

You can redeem these points in the following manner:

Buying gift cards and OTT memberships

Getting immediate discounts on online shopping from partners like TATA Cliq, Levis, BIBA, and more

Shopping at eligible retail stores

Fees and Charges Associated with the IDFC FIRST Millennia Credit Card

Here are the charges you should be aware of when using IDFC FIRST Millennia Credit Card:

Fee Type	General Range
Joining Fee	₹0
Annual Maintenance Fee	₹0
Rewards Redemption Fee (per transaction)	₹99
Interest Charges	Monthly: 0.75% - 3.65% Annual: 9% - 43.8%
Minimum Amount Due	The sum of EMI + Interest (Finance charges) + Fees, Other charges & taxes + Amount utilised over the limit (if any) + 2% of the principal balance outstanding (comprising of purchases, cash & balance transfer)
Late Payment Fee	15% of Total Amount Due (minimum of ₹100 and maximum of ₹1,300)
Foreign Transaction Fee	3.50% of the transaction amount
Cash Advance Fee	₹199

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Eligibility Criteria to Apply for the Card

Check the FIRST Millennia Credit Card’s eligibility terms and keep all the documents ready to complete your application in minutes.

To apply, you need to be:

Between 21 years and 35 years of age

Earning a minimum annual income of ₹3 Lakhs

Documents Required to Apply for the Card

Here is the general list of documents you may need to submit:

Address Proof (any one):

Passport

Aadhaar Card

Identity Proof (any one):

Aadhaar Card

Driving Licence

Voter’s ID Card

Passport

PAN Card

Income Proof:

Bank statements

Salary slips

How to Apply for the FIRST Millennia Credit Card Online

Bajaj Markets offers a safe and convenient platform to compare selected credit cards and apply online. To apply for the FIRST Millennia Credit Card online follow these steps:

Click on ‘Check Card Offer’ and provide the required details, including your date of birth, phone number, and occupation
Enter the One-Time Password (OTP) sent to your mobile device
Review the pre-filled information, such as your PAN card number, residential PIN code, email address, and income details
Choose the card that best meets your needs from the available options
Click ‘Submit’ to proceed and complete your application

Customer Care

If you have any questions, reach out to IDFC FIRST Bank’s customer care team via phone, WhatsApp, or email:

Give a call to 1800-10-888. The service team is available 24X7, every day of the year.

Send ‘Hi’ to 95555-555-555 to contact the team via WhatsApp

Email banker@idfcfirstbank.com

FIRST Millennia Credit Card vs Others

Before applying for the FIRST Millennia Credit Card, take the time to compare its benefits with those of other cards offered by IDFC FIRST Bank.

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
FIRST Millennia Credit Card	✅	❌	✅	✅
FIRST Wealth Credit Card	❌	✅	✅	✅
FIRST SWYP Credit Card	✅	✅	✅	❌
FIRST EARN Credit Card	✅	❌	❌	❌
FIRST Power Credit Card	❌	❌	❌	❌
FIRST WOW! Credit Card	❌	❌	❌	❌
FIRST Select Credit Card	❌	✅	✅	✅
FIRST Power+ Credit Card	❌	❌	❌	❌
FIRST Classic Credit Card	❌	❌	✅	✅

Note:The benefits mentioned may change as per the policies of IDFC FIRST Bank. Check them before you apply for a specific card.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

About Credit Cards Services

Credit Cards Partners at Bajaj Markets

About IDFC First Bank Credit Card

Is there any joining or annual fee applicable on the FIRST Millennia Credit Card?

No joining, membership, or annual fees apply to your FIRST Millennia Credit Card. Enjoy cashback, reward points, and discounts without any extra charges.

What are the benefits associated with a FIRST Millennia Credit Card?

FIRST Millennia Credit Card’s benefits include:

300+ shopping and dining offers with discounts up to 20%

4 complimentary railway lounge visits each calendar quarter

Complimentary roadside assistance worth ₹1,399

Reward points that do not expire

25% off on movie tickets (up to ₹100), and more

How can I personalise my FIRST Millennia Credit Card?

You can customise your FIRST Millennia Credit Card by choosing a design you prefer. Pick your own image or select one from our curated gallery. A one-time fee of ₹499 + GST applies for this facility.

Can I share the credit limit of my FIRST Millennia Credit Card with my family members?

Yes, you can share your credit limit with anyone using an add-on credit card without any charges. Note that you will be the primary cardholder and responsible for bill payments.

Do I need to enter the PIN of my FIRST Millennia Credit Card at every POS terminal?

You need to enter your PIN for such transactions for security reasons. You can also use tap-and-go facility for amounts up to ₹5,000.

Can I withdraw cash from an ATM using the FIRST Millennia Credit Card?

Yes, you can withdraw cash at ATMs without interest for up to 45 days, both in India and overseas. A cash advance fee of ₹199 + GST applies per transaction, and the maximum withdrawal limit is ₹10,000.