• Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your IDFC First Millennia Credit Card.
• Explore premium choices in travel, clothing, footwear, and shopping.
• Your gateway to luxury and rewards begins with this exclusive welcome offer.

You can easily redeem your reward points with the IDFC First Millennia Credit Card:

• Redemption Options: You can use your reward points for gift vouchers and statement cash.
• Redemption Fee: There is no fee for redeeming your points.
• Transfer Partners: The card does not offer any transfer partners.
• Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.

• Attractive welcome benefits worth Rs. 5,000.
• Access to domestic and international airport lounges.
• Competitive reward rates on dining, groceries, and department store expenses.
• Lucrative milestone rewards for high spenders.
• Enjoy two complimentary movie tickets each month.

• Lower reward rate compared to other premium cards.
• Average returns on spending.
• High renewal fee waiver requirement of Rs 10 lakhs.
• Relatively high renewal fee of Rs. 4,999.

• Welcome Perks: Enjoy a Rs. 5,000 Gift Voucher from top brands.
• Milestone Rewards: Earn up to 15,000 Bonus Reward Points by meeting spending milestones.
• Travel Advantages: Free lounge access, hotel discounts, and club memberships.
• Airport Lounge Access: 2 domestic and 6 international lounge visits per year.
• Movie and Dining Benefits: Complimentary/discounted movie tickets and dining offers.
• Golf Privileges: Four free golf rounds, golf lesson, and discounts (MasterCard variant).
• Concierge Service: Assistance with various services.
• Lower Foreign Markup Fee: 1.99% on foreign transactions.
• Annual Fee Waiver: Spend Rs. 10 lakhs to waive the annual fee.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between Rs. 500 and Rs. 4,000, up to Rs. 250/month.

• Spend-Based Fee Waiver: Annual renewal fee of Rs. 4,999 waived on spending Rs. 10 lakh or more in the previous year.
• Rewards Redemption Fee: Rs. 99 + taxes per redemption request.
• Foreign Currency Markup: 1.99% of the transaction amount for foreign currency transactions.
• Interest Rates: 3.50% per month (42% per annum).
• Fuel Surcharge: 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at fuel stations (max waiver of Rs. 250/month).
• Cash Advance Charges: 2.5% of the transaction amount with a minimum charge of Rs. 500.
• Add-on Card Fee: No fee for add-on cards.
• Annual Fee: Rs. 4,999.
• Finance Charges: 42% per annum.
• Late Payment Charges: Vary based on the outstanding amount.
• Joining/Renewal Fee: Rs. 4,999 + GST with a welcome benefit of a Rs. 5,000 Gift Voucher. Renewal fee waived on spending Rs. 10 lakhs in a membership year.
• Forex Markup Charges: 3.50%.
• Fee Reversal Criteria: Spend Rs. 10 lakhs in a year to reverse the annual fee.

• Q: How can I apply for the IDFC First Millennia Credit Card?
  A: You can apply for the IDFC First Millennia Credit Card online through the IDFC First Bank website or by visiting an IDFC First Bank branch.
• Q: What is the eligibility criteria for this card?
  A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with IDFC First Bank for the specific criteria.
• Q: Can I get my annual fee waived?
  A: Yes, the annual fee can be waived on annual spends of Rs. 10 lakhs or more.
• Q: How do I redeem reward points?
  A: You can redeem reward points for statement credit or gift vouchers, with a nominal redemption fee of Rs. 99 plus GST.