IDFC First Millenia Female Card

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Reward Type

Joining Fee

Annual Fee

CHECK ELIGIBILITY

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Features

Welcome benefits

Voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of card setup
5% cashback (up to Rs. 1,000) on the transaction value of first EMI done within 90 days of card setup

Cashbacks & Rewards

10X Reward Points on every Rs. 150 spent on spends above Rs. 20,000 per month and spends done on your birthday
6X Reward Points on every Rs. 150 spent on online shopping for spends upto Rs. 20,000
3X Reward Points on every Rs. 150 spent on offline shopping for spends upto Rs. 20,000
(1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25)
25% discount on movie tickets up to Rs. 100 on PayTM mobile app (valid once per month)
4 complimentary Railway lounge visits per quarter

Pricing

No annual fee. Lifetime Free Credit Card

Documents Required

Depending on offer generated all offers have a no- document option along with below offers
Card statement (card vintage more than 12 months) for Salaried and Self-employed
Last 6 months bank statement (salary account) for Salaried
Latest ITR with 3 months Bank statement for Self-employed

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IDFC First Millennia Credit Card

The First Millennia credit card issued by IDFC Bank comes with multiple benefits of rewards, cashback, surcharge waiver, etc. With a standout reward program, low interest rates, and 300+ merchant offers all through the year, this credit card is simply worth having. Apply for this IDFC Credit card on CreditMantri. We offer a simple and hassle-free application process.

Key Highlights of The First Millennia Credit Card

Best Features:

Unlimited reward points that will never expire and you can use them to pay instantly for in-store or online purchases.
Lifetime free credit card with No Joining and Annual Fee

Convenience fee for reward redemption of Rs. 99 effective from 1st October 2022
Low Interest Rates (Annual percentage rate) starting from 0.75% to 3.5% per month (9% to 42% per annum)
Late Payment Fee: 15% of the total amount due (minimum of 100 Rs. and a maximum of Rs. 1250)
48 day period of Interest free cash withdrawals at domestic and international ATMs
Cash Advance Fee of Just Rs. 250
Overlimit Charges of 2.5% of the over limit amount for transactions which breach the credit limit
Forex Markup Charges of 3.5% for foreign currency transactions

IDFC Bank First Millennia Credit Card - Benefits And Privileges

Welcome Benefits:

Welcome voucher worth Rs. 500 on spends of Rs. 15,000 or more.
Within 90 days of getting the card.
5% cash back on the first EMI transaction that you make.
Within 90 days of getting your credit card.

Rewards:

10x reward points on spends more than Rs. 20,000 monthly
10x reward points on birthday spends.
Online Purchases: 6x reward points on spends up to Rs. 20,000
Offline Purchases: 3x reward points on spends up to Rs. 20,000
Reward points are unlimited and will never expire
Reward points can be used to pay instantly for online and instore shopping.
The fee for redemption of reward points is Rs. 99 (plus applicable taxes) effective October 1st 2022.
Earn 1 reward point per Rs. 150 spent. 1x reward points = 1 reward point = Rs. 0.25

Rewards Exclusions:

Cash withdrawals, EMI transactions, fuel, and insurance.
10x reward points not applicable on rental and property management transactions. But, such transactions will earn 3x reward points

Other Offers:

Movie Discounts: 25% discount on movie tickets (up to Rs. 100) valid once per month.
Personal accident cover of Rs. 2,00,000 (This is valid on doing at least one transaction On the FIRST Millennia Credit Card in the last 30 days)
Lost card liability cover of Rs. 25,000.
Up to 20% discount at 1500 plus restaurants
Up to 15% discount at 3000 plus health and wellness outlets.
4 complimentary railway lounge visits quarterly
Complimentary roadside assistance worth Rs. 1,399
Fuel surcharge waiver of 1% at all fuel stations across India up to Rs. 200/month.
Complimentary roadside assistance of Rs. 1,399.

Other Benefits:

All these benefits are subject to the eligibility criteria set by the bank.

Conversion of all transactions more than Rs. 2,500 into easy and convenient EMIs from your mobile app.
Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
You can transfer balances from other cards to IDFC cards using the balance transfer option.

IDFC Bank First Millennia Credit Card - Fees and Charges

Joining Fee	Nil
Annual Fee	Nil
Add on card Fee	Nil
Interest rate on cash advances, purchases, and outstanding balances due	Monthly Rate - 0.75% - 3.5% Annual Rate - 9% - 42%
Overdue Interest (will be charged if you don’t pay the minimum amount due by the payment due date)	Monthly Rate - 3.99% Annual Rate - 47.88%
Cash advance transaction fees (Certain international outlets or ATMs allow the conversion of international currency to INR at the time of withdrawal or sale. Then the cash advance transaction fee may include any charges levied by the service provider)	Rs. 250
Reward Redemption Fee	Rs. 99 per redemption transaction effective from 1st October, 2022
Over Limit Fee	2.5% of the over limit amount subject to a minimum charge of Rs. 500
Foreign currency Markup Fee	3.5%
Late Payment Fee	15% of the due amount (Subject to a minimum of Rs. 100 and a maximum of Rs. 1250)
International and Domestic Cash Advance Fee	Rs. 250 per transaction
Foreign Currency Markup Fee	3.5%
Return of cheque/auto debit/payment return	Rs. 250 per returned cheque/auto debit/payment return
Fee on cash payment at branches	Nil
Outstation cheque processing fee	Nil
Duplicate statement request	Nil
Card replacement Fee	Rs. 100
Cheque or cash processing Fee	Nil
Charge Slip request Fee	Nil
Markup Charges on foreign currency transaction	3.5%
EMI Fees	1% of the transaction value (minimum Rs. 99)
Fuel Surcharge Waiver	Rs. 200 per statement cycle on FIRST Millennia Credit Card
Good and Service Tax	The GST rate is 18% currently as set by the government of India. It is applicable on all fees, interest, and other charges. It is subject to change.

Eligibility Criteria For First Millennia Credit Card

Age: Minimum 21 years
The applicant must have his or her permanent or current residential address in India. He or she must belong to any one of the sourcing cities as listed by the bank.
Monthly income: minimum monthly income of Rs. 25,000 whether he is salaried or self-employed (subject to change)Score: The credit score must be good with no past records of defaults.
Internal Policy Checks: The applicant must pass all the internal policy checks conducted by IDFC First Bank based on the applicant’s bank history, demography, and credit exposure. The bank will issue the credit card based on the assessment of the internal policy checks. The final decision to approve the credit card application rests with the bank, and it can issue the card notwithstanding the applicant meeting the eligibility criteria or not issuing the card even if the criteria are met.

First Millennia Credit Card - Documents Required

Address Proof	Either of the following: Aadhaar cardIdentity Proof Passport Utility bills (not over 3 months old)
Identity Proof	Either of the following: Pan card Aadhaar card Voter’s ID card Passport Driving license Or any other photo ID authorized by the government.
Income Proof	Form 16 Income Tax Returns Salary Slips for the last 3 months Bank statements for the last 3 months

How to Apply For the First Millennia Credit Card?

1. Online Through the CreditMantri website

After knowing about all the features of the First Millennia credit card and deciding whether it is suitable for you, click on “Check Eligibility”
You will be forwarded to the application page.
Enter the basic details asked for and click ‘Submit’
An OTP will be sent to your mobile.
Enter this OTP for verification
Proceed with the rest of the application.

2. Online Through The Bank’s Website

Go to the IDFC FIRST Bank website
Click on ‘personal banking’.
Choose the tab called ‘Cards’.
Click on FIRST Millennia Credit Card
Input the name as per Aadhaar, Date of Birth, and mobile number.
Click ‘Get OTP’
Once done, enter your primary details.
A representative of the bank will get in touch with you and tell you about the next set of steps to be followed.

3. OfflineYou can apply for the credit card offline by visiting the bank’s branch and submitting an application form, calling customer care, sending an SMS, through mobile app, etc.

First Millennia Credit Card Bill Payment

Here are payment options given by IDFC Bank for you to make credit card bill payments easily and conveniently.

1. Through Netbanking or debit card: IDFC Bank offers efficient net banking services to help you pay your credit card bills easily from anywhere and anytime. You can use any bank account to pay through net banking or debit cards.

Simple steps to pay via for IDFC First NetBanking App Users

Go to credit card > Pay Bill
Pay your credit card bill after you login to netbanking
To automate your payments, you need to register an auto-debit instruction on your IDFC First Bank account. Follow the steps above and enable ‘Autopay future bills’.

Easy steps to pay via net banking for IDFC First Bank Mobile Banking (Old) App Users

Download the IDFC First Bank Mobile App
Go to credit card > Pay Bill
Pay your credit card bill after you login to the mobile app.
To automate your payments, you need to register an auto-debit instruction on your IDFC First Bank account. Follow the steps above and enable ‘Autopay future bills’.

2. UPI

Open the banking or BHIM app that is enabled by UPI
Go to the UPI section in your app.
Go to send money
Enter your ‘<16 digit card number>. cc@idfcbank’ as UPI ID

3. IMPS/NEFT payments

You can make instant payments via IMPS/NEFT by entering the mentioned payee/beneficiary/receivers details:

Payee name or the name on your IDFC Bank credit card
Payee Account Number: The 16 digit IDFC First Bank credit card number
Bank name: IDFC First Bank.
IFSC Code: IDFB0010225

4. Other payment option

Making a cash deposit: Visit the nearest IDFC Bank branch and pay your credit card bill by depositing cash into your credit card account
Drop a cheque at an IDFC First Bank branch/ATM near you. This cheque should be written in favour of the 16 digit IDFC First Bank credit card number. The format is ““IDFC FIRST Bank Credit Card XXXXXXXXXXXXXXXX”

Conclusion

The First Millennia credit card is a lifetime-free credit card with a great reward program. You get 1 reward point for Rs. 150 spent. The best part is that the reward points never expire and can be redeemed for online shopping. So, what are you waiting for! Apply for this card and enjoy the benefits. Before you apply, check your credit score on CreditMantri. We match your credit profile with the eligibility criteria for loans and credit cards and shortlist the best offers for you.

FAQs of IDFC First Millennia Credit Card

1. What is the credit limit for a First Millennia Credit Card?

The credit limit for First Millennia credit cards depends upon your income and CIBIL ™ score. There is no specific limit for the First Millennia credit card. It is entirely based on your credit score and the repayment history. If you have maintained a good credit score and have a stable and high income, you will be able to get a higher credit limit.

2. How to redeem reward points for IDFC First Bank credit cards?

Go to the IDFC First Bank reward redemption portal and log into it with your registered mobile number. Post logging in, you can see the reward points on the homepage. Click on “Redeem Points” to begin the redemption process.