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IDFC FIRST Millennia Credit Card

3 from 300 Users

All Card USPs

Get 5% Cashback on Converting Eligible

credit card transactions to EMI, capped at ₹1,000 on the first EMI conversion done within 30 days of card generation for customers who have never converted a transaction to EMI before

Zero Annual & Renewal Fees

making the card lifetime free with no renewal charge

Complimentary 24×7 Roadside Assistance

up to 4 times a year, worth ₹1,399, provided through Global Assure

Best For

Shopping

Travel

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

Not Applicable

Annual Fees

₹0 ( ₹0 + GST )

Not Applicable

Eligibility

Age Criteria

21-65 years

Salary Criteria

3 LPA

Credit Rating*

750+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.25

Redemption Options

  • Flights/Hotels
  • Product Catalogue

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • 5% cashback on first EMI transaction within 30 days (maximum ₹1,000)
  • ₹500 welcome gift voucher on spending ₹5,000 within 30 days
  • 25% discount on movie ticket bookings
  • Access to 300+ merchant offers across the year
  • Cashback credited within 90 days of offer fulfilment period

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Spends

Rent Payment

Wallet Loads

ATM Cash Withdrawals

EMI Spends

All Reversals

Gift Card and Voucher Purchases

Bank Charges & Fees

Interest Charges

Late Payment Fees

Money Transfers

P2P Transfers

Government-related Transactions

Taxes

Utility Bill Payments

Insurance Payments

Cryptocurrency/Digital Asset Transactions

Gambling Transactions

Outstanding Payments

For Spends Waiver

Fuel Spends

Rent Payment

Wallet Loads

Cash Advances

EMI Spends

Bank Charges & Fees

All Reversals

Gift Card and Voucher Purchases

Money Transfers and P2P Transfers

Government-related Transactions

Taxes

Utility Bill Payments

Insurance Payments

Cryptocurrency/Digital Asset Transactions

Gambling Transactions

Outstanding Payments

Bank Fee Structure

StructureDetails
Forex Markups

3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (3.5%):
₹100 → ₹3.5
₹1,000 → ₹35
₹10,000 → ₹350
₹1,00,000 → ₹3,500

3.50%
APR Fees

Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid.

3.99%
ATM Withdrawl

0% interest (45 days) | ₹199 + GST per withdrawal

0%
Reward Redemption Fees

A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.

₹99
Link for all T&Cs
Click Here
Railway Surcharge

1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra.

1%
Rent Payment Fees

1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges

1%
Cheque Payment Fees

No cheque payment fee is charged

Not Applicable
Cash Payment Fees

N/A

Not Applicable
Late Payment Fees

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

Amount Due
₹0 - ₹100 ₹0 - ₹100
₹500 ₹500
₹5000 ₹5000
₹8000 ₹8000
₹10,000 ₹10,000
₹10,000 & above ₹10,000 & above

Apply for this card

TOP USPs

Get 5% Cashback on Converting Eligible

credit card transactions to EMI, capped at ₹1,000 on the first EMI conversion done within 30 days of card generation for customers who have never converted a transaction to EMI before

Zero Annual & Renewal Fees

making the card lifetime free with no renewal charge

Apply Now