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Features of IDFC FIRST Millennia Credit Card

  • Lifetime Free Card with No Annual or Joining Fees:
    One of the standout features of the IDFC FIRST Millennia Credit Card is that it is a lifetime-free card. This means there are no joining fees, annual fees, or membership fees, making it an attractive option for cost-conscious users. Unlike many credit cards that impose annual charges unless a spending threshold is met, this card ensures users can enjoy its benefits without worrying about recurring costs. This feature is particularly appealing to young professionals who want to maximize value without additional expenses.
  • Comprehensive Rewards Program:
    Earn 10X reward points on incremental spends above ₹20,000 per month and birthday transactions, 6X points on online purchases (up to ₹20,000/month), and 3X points on offline purchases, education, wallet loads, and government services.
  • Interest-Free Cash Withdrawals:
    Enjoy interest-free cash withdrawals at ATMs for up to 48 days (both in India and abroad). A cash advance fee of ₹199 + GST per transaction applies, with a maximum withdrawal limit of ₹10,000 per transaction.
IDFC FIRST Wealth Credit Card
    • EMI Conversion Facility: Convert purchases above ₹2,500 into EMIs with flexible tenures (3 to 18 months). Available for both online and offline transactions through the mobile app or bank's OTP page. Instant EMI conversion for online purchases adds convenience.
    • Travel and Lifestyle Perks: Includes 4 complimentary railway lounge visits per quarter, 1% fuel surcharge waiver (up to ₹200/month), and complimentary roadside assistance worth ₹1,399. Enjoy up to 20% off at 1,500+ restaurants and 25% off on movie tickets via District app (once a month).
    • UPI-Enabled Digital RuPay Add-On Card: Opt for a virtual FIRST Digital RuPay Credit Card (annual fee: ₹199 + GST) to earn 3X reward points on UPI spends above ₹2,000 and 1 point per ₹150 on smaller UPI transactions.
    • Security and Insurance Covers: Includes ₹2,00,000 personal accident cover (with at least one transaction in last 30 days) and ₹25,000 lost card liability cover if reported promptly.
    • Flexible Credit Limit Management: Credit limit determined by income, credit score, and bank policies. Shared across all unsecured IDFC FIRST Bank cards. Overlimit facility provides additional 10% credit limit (with consent) to prevent transaction declines.
    • Reward Redemption Flexibility: Redeem points instantly for online/in-store purchases ("pay with points") or through IDFC FIRST rewards portal. Each point valued at ₹0.25. Redeem for gift vouchers from Amazon, Flipkart, Myntra etc. (₹99 convenience fee applies).
    • Mobile App Integration: Manage card via IDFC FIRST Bank app - track spending, view rewards, convert to EMIs, pay bills, enable contactless payments, or block card instantly.
    • Balance Transfer Privilege: Transfer outstanding balances from other credit cards to consolidate debt under potentially lower interest rates.
    • Merchant Offers and Discounts: Access to 300+ merchant offers annually across shopping, travel, and wellness categories. Year-round discounts ensure consistent savings.
    • Customizable PIN and Card Controls: Set/change PIN via app or customer care. Block/unblock card instantly through app for enhanced security.
    • Global Acceptance: Accepted worldwide for international travel and online purchases. Interest-free cash withdrawals abroad for up to 48 days.
    • Eco-Friendly Card Design: Modern aesthetic reflecting bank's commitment to sustainability (new cards from Dec 2024 feature updated design).
    • Customer Support Accessibility: 24/7 helpline, SMS services (text CCBLOCK + last 4 digits to 5676732 to block card), and in-app assistance for prompt resolution.
    • Transparent Billing and Payment Options: Clear statements with multiple payment methods (IMPS, NEFT, cheque, cash). Pay total amount due to avoid interest or minimum amount for cash flow management.
    • Building Credit History: Excellent for first-time users to build credit. Responsible usage (timely payments, low utilization) improves credit score for future financial products.
IDFC FIRST Wealth Benefits

Benefits of IDFC FIRST Millennia Credit Card

  • 1. Welcome Offers:
    • ₹500 Gift Voucher: Spend ₹5,000+ within 30 days of issuance at brands like Amazon, Big Basket, Uber.
    • 5% Cashback on First EMI: Up to ₹1,000 on first EMI transaction within 90 days of card setup.
  • 2. Lifetime-Free Advantage:
    • No Annual/Joning Fees: No spending thresholds to waive fees - permanent savings.
    • Cost-Effective: Access premium features without recurring costs.
  • 3. Non-Expiring Reward Points:
    • Accumulate Long-Term: No pressure to redeem immediately.
    • Flexible Redemption: Use points for purchases, vouchers, or exclusive portal offers.
    • Travel Benefits: 4 free railway lounge visits/quarter for comfortable waiting. 1% fuel surcharge waiver (₹200/month cap) at all Indian fuel stations. ₹1,399 roadside assistance package for vehicle emergencies.
    • Dining & Entertainment: 20% discounts at 1,500+ restaurants nationwide. 25% off (max ₹100) on movie tickets via District app (monthly). 15% savings at 3,000+ health/wellness outlets.
    • Cash Access: Interest-free ATM withdrawals for 48 days (₹199 + GST/transaction). ₹10,000 max/transaction - financial flexibility during emergencies.
    • Competitive Interest: Rates from 9% p.a. (good credit) to 42% p.a. Pay total due by deadline to avoid interest entirely.
    • EMI Convenience: Split ₹2,500+ purchases over 3-18 months. Instant online EMI conversion via OTP page. 5% cashback (₹1,000 max) on first EMI transaction.
    • UPI Integration: Digital RuPay add-on card enables UPI payments from credit limit. Earn 3X points on UPI spends >₹2,000 (1 point/₹150 below).
    • Insurance Protection: ₹2 lakh personal accident cover (active with monthly transaction). ₹25,000 lost card liability protection when reported promptly.
    • Overlimit Buffer: 10% extra credit (with consent) prevents declines during high-spend periods like festivals.
    • Global Utility: Worldwide acceptance for travel/online shopping. Contactless payments abroad for quick, secure transactions.
    • Debt Consolidation: Transfer balances from high-interest cards to potentially lower Millennia Card rates.
    • Year-Round Savings: 300+ merchant offers across shopping, travel, wellness. Partner discounts deliver consistent value.
    • Digital Management: User-friendly app for tracking spends, rewards, EMI options, payments, and security controls (block/unblock instantly).
    • Clear Billing: Multiple payment options (online/cheque/cash). Convert outstanding balances to EMIs for flexibility.
    • Credit Building: Ideal for first-time users. Responsible usage (on-time payments, <30% utilization) boosts credit score for future loans/cards.
    • Modern Design: Eco-friendly card aesthetic reflects sustainability commitment (new designs from Dec 2024).
    • Support Channels: 24/7 helpline, SMS commands (e.g., CCBLOCK to 5676732), app chat for quick resolutions.
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How to Apply for IDFC FIRST Millennia Credit Card

  • Online Application: Visit IDFC FIRST Bank website → Credit Cards → Millennia Credit Card → Apply Now.
  • Select the Card: Choose "Millennia Credit Card" from the list and click "Apply Now".
  • Enter Basic Details: Provide name, mobile, email, DOB, PIN code. Verify with OTP.
  • Complete Video KYC: Keep PAN and Aadhaar ready. Join video call with bank representative for verification.
  • Submit Income Proof: Upload salary slips (last 3 months) or ITR (self-employed). Bank statements may supplement.
  • Credit Assessment: Bank reviews application, credit score (CIBIL 750+ preferred), and internal policies.
  • Approval & Dispatch: Upon approval (7-14 working days), card delivered to registered address (14-20 days).
  • Mobile App Application:
    • Download IDFC FIRST Bank app from Play Store/App Store.
    • Register/Log in → Cards section → Millennia Card.
    • Fill details, upload documents, submit digitally.
    • Track status in-app post-submission.
  • Offline Application:
    • Locate nearest branch via bank website/app.
    • Collect physical application form.
    • Submit with attested document copies.
    • Original verification at branch.
  • Third-Party Platforms:
    • Apply via BankBazaar, PaisaBazaar etc.
    • Compare cards, check eligibility tools.
    • Follow platform-specific process.
  • Post-Approval Steps:
    • Activate Card: Set PIN via app ("Manage Card" → "Set PIN") or IVR instructions.
    • Enable Features: Contactless payments, UPI linking (optional add-on).
    • Welcome Benefits: Spend ₹5,000 in 30 days for ₹500 voucher.
  • Tips for Smooth Application:
    • Check CIBIL score beforehand (aim for 750+).
    • Ensure document clarity (clear scans/photocopies).
    • Maintain low credit utilization (<30%) before applying.
    • Avoid multiple card applications simultaneously.
  • Common Challenges & Solutions:
    • Low Credit Score: Improve by paying existing debts, correcting report errors.
    • Income Verification: Provide additional proofs like bonuses if requested.

Eligibility Criteria for IDFC FIRST Millennia Credit Card

  • 1. Age Requirement
    • Minimum age: 21 years.
    • Maximum age: 65 years.
    • Add-on cardholders: 18+ years.
  • 2. Income Requirements
    • Salaried/Self-employed: ₹25,000+ monthly net income.
    • Annual income: Minimum ₹3 lakh.
    • Higher incomes improve approval chances and credit limit.
  • 3. Credit Score & History
    • CIBIL score: 750+ preferred.
    • Clean repayment history (no defaults/late payments).
    • First-time users may qualify with strong income/docs.
  • 4. Employment Status
    • Salaried: Stable job with reputed organization.
    • Self-employed: Consistent business income with documentation.
    • Professionals (IT/medicine etc.) may receive preference..
  • 5. Residency & Nationality
    • Indian residents with permanent address.
    • NRIs eligible with additional documentation.
    • Locality restrictions may apply based on bank policies.
  • 6. Credit Behavior Factors
    • Debt-to-income ratio: Below 30% ideal.
    • Credit utilization: <30% of existing limits.
    • Number of active cards: Too many may raise concerns.
  • 7. Internal Bank Policies
    • Existing relationship with IDFC FIRST Bank beneficial.
    • Risk scoring based on credit history, income, demographics.
    • Final approval at bank's discretion.
  • 8. Special Considerations
    • First-time users: Strong income docs can compensate for no credit history.
    • Young professionals: Recent graduates with stable jobs may qualify.
    • Add-on cards: Simpler criteria for family members (18+ years).
  • 9. Improving Eligibility
    • Increase credit score by paying debts on time.
    • Reduce existing credit card balances.
    • Open savings account/FD with IDFC FIRST Bank.
    • Wait 3-6 months between credit applications.
  • 10. Reapplying After Rejection
    • Address reason for rejection (bank will specify).
    • Improve credit profile before reapplying.
    • Wait 3-6 months for financial situation to stabilize.
    • Consult bank for specific reapplication requirements.
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Documents Required for IDFC FIRST Millennia Credit Card

  • 1. Proof of Identity (Any One):
    • Aadhaar Card: Preferred for biometric linkage and address verification.
    • PAN Card: Mandatory for all financial transactions and tax compliance.
    • Passport: Valid for both Indian residents and NRIs.
    • Driver's License: Acceptable if containing photo and signature.
    • Voter ID: Valid government-issued identity proof.
  • 2. Proof of Address (Any One):
    • Aadhaar Card: If address is current and matches application.
    • Passport: Address page for recent updates.
    • Utility Bills: Electricity/water/gas bill (not older than 3 months).
    • Bank Statement: From another bank showing current address.
    • Rental Agreement: Registered agreement for rented residences.
  • 3. Income Proof (Salaried):
    • Salary Slips: Last 3 months with company letterhead.
    • Form 16: From employer detailing salary and tax deductions.
    • Bank Statements: 6 months showing salary credits.
  • 4. Income Proof (Self-Employed):
    • ITR: Last 2 years with computation of income.
    • Audited Financials: For businesses with proper documentation.
    • Bank Statements: 6 months showing business transactions.
    • Business Proof: GST registration, shop license etc.
  • 5. Additional Documents (If Requested):
    • Passport-sized photographs (for offline applications).
    • Existing credit card statements (to assess repayment behavior).
    • Employment verification letter (for new job holders).
  • 6. For NRIs:
    • Overseas address proof (utility bill/rental agreement).
    • Valid visa copy documenting residential status.
    • Overseas bank statements showing income credits.
    • Indian address proof (if maintaining local residence).
  • 7. Document Submission Guidelines:
    • Clear, legible copies (scans or photocopies).
    • Consistent information across all documents.
    • Self-attestation for physical submissions.
    • Digital uploads in specified formats (JPEG/PDF).
  • 9. Verification Process:
    • KYC compliance through Aadhaar/PAN verification.
    • Income validation via employer/bank checks.

Factors Influencing the IDFC FIRST Millennia Credit Card

  • Credit Score and History: A CIBIL score of 750 or above is ideal. A clean credit record with no defaults or late payments improves approval chances. Multiple recent credit inquiries can lower the score.
  • Income Stability and Level: Minimum income requirement is ₹25,000 per month, with consistent salary or business income preferred. Strong income documentation boosts approval odds.
  • Debt-to-Income Ratio: An ideal ratio is below 30%, indicating manageable debt levels. A high ratio may reduce credit limits or cause rejection.
  • Credit Utilization Ratio: Keeping credit usage below 30% signals responsible credit management, which improves approval chances.
  • Employment and Occupation: Stable salaried employment or consistent business income is favored. Professionals in high-demand fields may receive preferential treatment.
  • Existing Relationship with IDFC FIRST Bank: Existing customers may benefit from faster approval, higher credit limits, and streamlined verification.
  • Age and Demographics: Eligible age range is 21–65 years. Younger applicants should focus on building credit history to offset higher perceived risk.
  • Credit Card Usage Patterns: Timely repayments and balanced spending improve eligibility. Having too many active cards can hurt approval chances.
  • Internal Policy and Risk Assessment: The bank uses risk scoring and strict compliance checks to evaluate applications.
  • Economic and Market Conditions: Factors like interest rate environment and economic stability can influence approval policies.
  • Application Timing and Frequency: Multiple recent applications can negatively impact your credit score. Strategic timing may improve chances.
  • Document Quality and Completeness: Submit clear, complete, and consistent documents to avoid delays or rejections.
  • Credit Limit Expectations: Request realistic credit limits aligned with your income and credit profile.
  • Lifestyle and Spending Habits: The card suits millennials with online shopping, travel, and dining habits to maximize rewards.
  • Technological Proficiency: Familiarity with mobile apps and digital banking enhances user experience and ease of management.
  • Customer Support Interaction: Promptly addressing queries and maintaining communication improves the application experience.
  • Regulatory and Compliance Factors: Adherence to RBI guidelines and KYC norms is mandatory and impacts the process.
  • Personal Financial Goals: Align the card usage with your goals—whether building credit, maximizing rewards, or managing debt.
  • Geographical Location: Applicants from metro cities or urban areas may have a higher approval probability due to easier verification and stronger financial profiles.
  • Social Media and Online Presence: Increasingly, banks consider digital footprint and social behavior as part of risk assessment to gauge applicant reliability.

Frequently Asked Questions (FAQs)

1. What is the IDFC FIRST Millennia Credit Card?
The IDFC FIRST Millennia Credit Card is a lifetime-free credit card designed for millennials, offering rewards on all spends, interest-free cash withdrawals, and lifestyle benefits.
2. Is the IDFC FIRST Millennia Credit Card lifetime free?
Yes, it comes with no annual fee and no joining fee — it is a lifetime-free credit card.
3. What are the eligibility criteria for this card?
You must be at least 21 years old (self-employed or salaried), have a stable income, and a good credit history to be eligible.
4. What documents are required to apply?
Typically, you'll need proof of identity (like PAN/Aadhaar), proof of address, and income documents (like salary slips or bank statements).
5. What are the main benefits of the card?
It offers up to 10X rewards, fuel surcharge waiver, free movie tickets, interest-free ATM cash withdrawal for up to 48 days, and complimentary roadside assistance.
6. How do the reward points work?
You earn 10X rewards on online and select spends above ₹20,000 per month, and 3X rewards on other eligible purchases. 1 reward point = ₹0.25.
7. Is there a cap on reward point earnings?
Yes, there is a monthly cap on accelerated (10X) rewards. Beyond that, regular rewards apply.
8. Can I use the card for international transactions?
Yes, the card is enabled for international use, but foreign currency mark-up charges apply (usually 3.5%).
9. Is there any cashback or welcome offer?
IDFC FIRST Bank may offer welcome vouchers or gift cards on card activation, depending on current promotions.
10. Are there any fuel surcharge waivers?
Yes, you get a 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000, capped at ₹200 per month.
11. How do I redeem reward points?
Reward points can be redeemed through the IDFC FIRST mobile app or website for merchandise, gift cards, travel bookings, or statement credit.
12. Is there a mobile app to manage the card?
Yes, the IDFC FIRST Bank mobile app allows you to view statements, pay bills, redeem points, and manage your card securely.
13. What is the interest rate on revolving credit?
Interest rates are dynamic, ranging from 0.75% to 3.5% per month (9% to 42% annually), based on your credit profile.
14. Can I withdraw cash using the card?
Yes, you can withdraw cash at ATMs with no interest for up to 48 days. However, a processing fee may apply.
15. How can I apply for the IDFC FIRST Millennia Credit Card?
You can apply online via the IDFC FIRST Bank website or mobile app, or by visiting the nearest IDFC FIRST Bank branch.

List of IDFC FIRST Millennia Credit Card Branches in Andhra Pradesh

  • Andhra Pradesh - Narasapuram
  • Andhra Pradesh - Nellore
  • Andhra Pradesh - Nuzvid
  • Andhra Pradesh - Ongole
  • Andhra Pradesh - Padmavathi Nagar
  • Andhra Pradesh - Rajamahendravaram
  • Andhra Pradesh - Ramachandra Nagar
  • Andhra Pradesh - Tadepalligudem
  • Andhra Pradesh - Tanuku
  • Andhra Pradesh - Tirupati
  • Vijayawada - Bhavanipuram
  • Vijayawada - Krishna Lanka
  • Vijayawada - Labbipet
  • Vijayawada - Ramachandra Nagar
  • Vijayawada - Vuyyuru
  • Visakhapatnam - Daba Gardens
  • Visakhapatnam - Dondaparthy
  • Visakhapatnam - Dwarakanagar
  • Visakhapatnam - Gajuwaka
  • Visakhapatnam - MVP Colony