As the name suggests and relates with ‘millennials’, this card seems like the perfect fit for the current generation. In our review, we will tell you everything about it and why you should apply to get one!<\/p>\n
IDFC First Millennia Credit Card Benefits<\/h2>\n\n- \u00a0The credit card is a lifetime free credit card<\/li>\n
- \u00a0It offers interest-free ATM cash withdrawals for up to 48 days<\/li>\n
- \u00a0Provides you rewards and offers specially on your birthday<\/li>\n
- \u00a0Gives you 10 times of the usual rewards on the incremental monthly expenses crossing Rs. 20,000<\/li>\n
- \u00a0It comes with a super saver interest rate that ranges from 0.75% to 2.99& per month<\/li>\n
- \u00a0Offers lifestyle benefits that include discounts on dining, shipping, movies, gold, and more<\/li>\n
- Has several in-app discounts across several industries like wellness and retail<\/li>\n
- \u00a0The reward points you earn through spending do not come with any expiry date<\/li>\n
- \u00a0Does not involve any joining or membership fee<\/li>\n
- Provides you with 6 times and 3 times the reward points on all online and in store spends that accumulate to Rs. 20,000 and more per month<\/li>\n
- Does not involve any fee for redeeming the reward point<\/li>\n
- Does not charge any fee for an over-limit transaction<\/li>\n
- The minimum late payment fee is only Rs. 100, while the maximum accounts for Rs. 1,000 or 15% of the total due amount, whichever of the two is lower<\/li>\n
- Has a forex markup at 3.5 percent for all the international transactions (terms and conditions apply)<\/li>\n<\/ul>\n
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IDFC First Millennia Credit Card Features<\/h2>\nJoining Benefits<\/h3>\n
The credit card comes with several joining benefits including a welcome voucher that is worth Rs 500. You can spend it within 90 days of the card issuance on any spending of Rs 15,000 or more.<\/p>\n
The credit card also offers a flat 5 percent cashback on all the transactions for your first ever EMI<\/span> transaction that you do within 90 days of the card issuance.<\/p>\nPrivileges<\/h3>\n
As a joining benefit, the IDFC first Millennia credit card offers flat 25 percent discount on movie tickets, the maximum discount that can be availed being of Rs 100, valid once every month.<\/p>\n
It also provides 4 complimentary railway lounge visits every quarter and complimentary roadside assistance which is worth Rs 1,399.<\/p>\n
Not only that, if you opt for this credit card, it will offer you with a fuel surcharge waiver of 1 percent at all the fuel stations in India, the maximum limit of which is up to Rs 200 per month.<\/p>\n
Another incredible feature under this section is the credit card offering over 50 in=app discount offers and a maximum of 20 percent discount at over 1,500 restaurant chains across the country.<\/p>\n
It also covers your personal accidents with an insurance of Rs 2,00,000 (terms, and conditions apply) along with a liability cover in case of a lost card of Rs 25,000.<\/p>\n
Convenience<\/h3>\n
We love the IDFC first\u00a0 Millennia credit card due to its super easy and seamless functioning. It enables you to convert all your transactions beyond Rs 3,000 into convenient EMIs with one click on the mobile app.<\/p>\n
Not just that, it also provides you with an instant EMI conversion for all the transactions online above Rs 3,000 with an OTP on the bank\u2019s page. Balance transfers are also easy and quick with IDFC\u2019s Millennia credit card as it provides balance transfer privilege as one of its top features.<\/p>\n
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IDFC First Millennia Credit Card Eligibility<\/h2>\n\n- \u00a0The applicant must be at least 18 years of age and at max 60 years of age<\/li>\n
- The annual salary of the applicant more than 12 lakhs per annum<\/li>\n
- \u00a0Source of income must be regular, salaried, or self-employed<\/li>\n
- \u00a0Should hold a decent credit score of 700 and above<\/li>\n
- Applicant must be an Indian resident with a current and permanent residential address in India<\/li>\n
- The applicant must have a good credit history\/bureau score without any evidence of any default in loans or missing payments with respect to credit cards and loans<\/li>\n
- The applicant must have a serviceable address in the IDFC Bank serviceable area<\/li>\n<\/ul>\n
How to apply for the IDFC First Millennia Credit Card?<\/h2>\n
You can apply for the Millennia card in two ways \u2013<\/p>\n
1. Offline:<\/h3>\n
This is the traditional method used to apply for credit cards where you send out an office application to the particular branch accepting credit card applications. You can apply through a card-on-card application or ask your branch or branch manager for a recommendation.<\/p>\n
2. Online:<\/h3>\n
<\/p>\n
<\/p>\n
IDFC First Millennia Credit Card Features<\/h2>\nJoining Benefits<\/h3>\n
The credit card comes with several joining benefits including a welcome voucher that is worth Rs 500. You can spend it within 90 days of the card issuance on any spending of Rs 15,000 or more.<\/p>\n
The credit card also offers a flat 5 percent cashback on all the transactions for your first ever EMI<\/span> transaction that you do within 90 days of the card issuance.<\/p>\n As a joining benefit, the IDFC first Millennia credit card offers flat 25 percent discount on movie tickets, the maximum discount that can be availed being of Rs 100, valid once every month.<\/p>\n It also provides 4 complimentary railway lounge visits every quarter and complimentary roadside assistance which is worth Rs 1,399.<\/p>\n Not only that, if you opt for this credit card, it will offer you with a fuel surcharge waiver of 1 percent at all the fuel stations in India, the maximum limit of which is up to Rs 200 per month.<\/p>\n Another incredible feature under this section is the credit card offering over 50 in=app discount offers and a maximum of 20 percent discount at over 1,500 restaurant chains across the country.<\/p>\n It also covers your personal accidents with an insurance of Rs 2,00,000 (terms, and conditions apply) along with a liability cover in case of a lost card of Rs 25,000.<\/p>\n We love the IDFC first\u00a0 Millennia credit card due to its super easy and seamless functioning. It enables you to convert all your transactions beyond Rs 3,000 into convenient EMIs with one click on the mobile app.<\/p>\n Not just that, it also provides you with an instant EMI conversion for all the transactions online above Rs 3,000 with an OTP on the bank\u2019s page. Balance transfers are also easy and quick with IDFC\u2019s Millennia credit card as it provides balance transfer privilege as one of its top features.<\/p>\n <\/p>\n You can apply for the Millennia card in two ways \u2013<\/p>\n This is the traditional method used to apply for credit cards where you send out an office application to the particular branch accepting credit card applications. You can apply through a card-on-card application or ask your branch or branch manager for a recommendation.<\/p>\nPrivileges<\/h3>\n
Convenience<\/h3>\n
<\/p>\nIDFC First Millennia Credit Card Eligibility<\/h2>\n
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How to apply for the IDFC First Millennia Credit Card?<\/h2>\n
1. Offline:<\/h3>\n
2. Online:<\/h3>\n
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