IDFC FIRST Millennia Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

A credit card that has no annual fee with reward points that never expire. You can earn 10 times the reward points on purchases of Rs 20,000 and above, as well as on your birthday. Additionally, you can earn 3 times the reward points on all online and offline purchases. The interest rates start at 0.75% per month. Other benefits include complimentary railway lounge access four times in a quarter, complimentary roadside assistance worth Rs. 1399, personal accidental cover worth Rs 2 lakh on all active cards, and fuel surcharge waiver on fuel purchases up to Rs. 200 per month.

The IDFC FIRST Millennia Credit Card is a fantastic choice for movie lovers and avid shoppers.

With no joining fee or renewal fee, this credit card offers amazing rewards in the form of Reward Points.

To start off, there is a welcome benefit of 5% cashback on the first EMI spend, up to Rs. 1,000.

Additionally, if you spend Rs. 5,000 within 30 days of receiving the card, you get welcome gift vouchers worth Rs. 500.

When it comes to movies and dining, this card has got you covered.

You can enjoy up to a 20% discount at over 1,500 restaurants all across India.

Furthermore, on the Paytm app, you can avail a 25% discount on movie tickets once a month, up to Rs. 100.

For all your shopping needs, this credit card provides 3 Reward Points for every offline spend of Rs. 150, 6 Reward Points for every online spend of Rs. 150, and a whopping 10 Rewards on every Rs. 150 spent on purchases above Rs. 20,000.

Even when you're traveling, the IDFC FIRST Millennia Credit Card offers great benefits.

You get four complimentary railway lounge accesses and four roadside assistance services each year, each valued at Rs. 1399.

This credit card also provides insurance benefits such as a Personal Accidental Cover worth Rs. 2 Lakhs on all active cards and a Lost Card Liability Cover of Rs. 25,000.

With regards to fees, there is no spend-based waiver, but there is a rewards redemption fee of Rs. 99 plus taxes.

The foreign currency markup stands at 3.5% of the total transaction value.

The interest rate ranges from 0.75% to 3.5% per month.

When it comes to fuel, you can enjoy a 1% fuel surcharge waiver at all fuel stations and on all fuel purchases in India, up to Rs. 200 every month.

The only downside is the transaction fee of Rs. 199 for cash advances.

Overall, the IDFC FIRST Millennia Credit Card is a great choice if you love movies, shopping, and travel.

With its amazing rewards, discounts, and insurance benefits, it offers great value for money.