A perfect fit for the young professional is the IDFC FIRST Millennia Credit Card. With an expenditure of ₹25,000 every month, Rahul just makes the best of it, with 3X reward points on the first ₹20,000, totalling 60 points, and 10X points on the remaining ₹5,000, adding 50 to it. This means that Rahul now earns 110 points monthly, all free of annual fees.

This makes the card even more helpful for Rahul, as it combines reward and lifestyle benefits. He gets 25% off on movie tickets via Paytm and 20% savings at more than 1,500 restaurants monthly. He is saving on online shopping with amazing deals and cashback.

The IDFC FIRST Millennia Credit Card is designed for millennials. It's a lifetime-free rewards card with no cap on points, which means Rahul can keep earning while enjoying perks like discounts on dining, shopping, and even health-related outlets. It's the ideal card for anyone who loves rewards, savings, and a hassle-free experience.

What is an IDFC First Millennia Credit Card?

The IDFC FIRST Millennia Credit Card is made for millennials. It has amazing discounts and cashback for online shopping in all stores, and you get reward points for every purchase. It keeps the fees, including finance charges, low for better managing customer finances, making saving easier while offering benefits like discounts and rewards.

Whether it is shopping online or managing expenses, this card is built to match the needs and lifestyles of today's millennials.

Features of the IDFC FIRST Millennia Credit Card

1. No joining or annual fees

This credit card is outstanding as it does not charge joining or annual fees. That way, you will be enjoying all the benefits without recurring costs. It's a lifetime-free credit card, which people look for if they want a hassle-free experience.

2. Points with every purchase

The IDFC FIRST Millennia Credit Card gets closer each time with more rewards you might have made. You can earn 3X monthly reward points for spending up to ₹20,000. And it does not end here:

10X Reward Points on spends on birthdays and incremental spending over and above ₹20,000 in a statement cycle.
1X Reward Points on all insurance premium payments and utility bills.
These reward points can be accumulated and traded for fabulous rewards, from cashback and gifts to travel.

3. No Expiry on Reward Points:

Unlike many other credit cards, the reward points you earn with the IDFC FIRST Millennia Credit Card do not expire. This allows you to redeem them at any time you wish to do so, free from any loss pressure.

4. Easy EMI Options:

You can convert all purchases above ₹2,500 into EMIs from the IDFC FIRST Millennia Credit Card. Managing large purchases will be much easier and even more affordable, keeping you away from hefty upfront payments.

5. Interest-Free Cash Withdrawals:

Need some cash in hand? You can withdraw some money interest-free for up to 45 days with the IDFC FIRST Millennia Credit Card. There is a withdrawal fee of ₹199 + GST per transaction, but you can take advantage of no interest for the first 45 days, giving you time to pay back.

Read More - IDFC First Power Plus Credit Card

Travel Privileges with the IDFC FIRST Millennia Credit Card

If you are a travel enthusiast, the IDFC FIRST Millennia credit card has several exclusive travelling rewards for you, including:

Free Lounge Access

You will be entitled to 4 free railway lounge visits per quarter to sit comfortably during your train schedule.

Free Roadside Assistance

With each card, you get complimentary roadside assistance that costs ₹1,399. Whether changing a flat tyre or giving a jump-start to get the battery up and running again, it could prove very handy when you're on the go.

Fuel Surcharge Waiver

You will enjoy a 1% fuel surcharge waiver on all your fuel purchases with a value of ₹200 per month; thus, it saves you when refilling.

Travel Bookings and Discounts

You get a discount along with all the other rewards on flights and hotels when you make all your bookings on the IDFC FIRST Mobile Banking App. In addition, you will get bonus points of 20 for every ₹100 spent at hotels.

Financial Flexibility with the IDFC FIRST Millennia Credit Card

This is yet another reason millennials love this credit card—it offers them much financial flexibility:

Low Interest Rates:

The IDFC FIRST Millennia Credit Card comes with low interest rates, with APR starting from just 9% per annum. As of 20th February 2025, the APR will start from 8.5% per annum. In comparison, this is one of the lowest in the industry.

Instant EMI Conversion:

If you prefer to break your purchases into smaller, manageable installments, you can instantly convert all transactions above ₹2,500 into EMIs. You can do this through the bank’s OTP page, making the entire process seamless.

Flexibility with UPI:

In addition to traditional credit card payments, you can activate UPI payments for just ₹199. This feature makes linking your credit card to popular payment systems like Google Pay, PhonePe, and Paytm easier for everyday transactions.

Annual Percentage Rate (APR) and Charges on IDFC FIRST Millennia Credit Card

Here’s a simplified table with explanations for the various fees on the IDFC FIRST Millennia Credit Card

Fee Type	Amount/Percentage	Explanation
Interest Rate (APR)	9% to 43.8% per year (0.75% to 3.65% per month)	Interest is charged on the outstanding balance if not paid in full.
Late Payment Fee	15% of the due amount (min. Rs 100, max. Rs 1,300)	Fee charged for missing a payment deadline.
Foreign Transaction Fee	3.5%	There is a fee for using the card on international transactions.
Over-limit Fee	2.5% of the excess amount (min. Rs 500)	Fee for exceeding your credit limit.
Cash Advance Fee	Rs 250	Fee for withdrawing cash from an ATM or bank.
Reward Redemption Fee	Rs 99 per redemption	There is a fee for redeeming reward points for gifts or vouchers.
Convenience Fee (Reward Points)	Rs 99 + applicable taxes	There is a fee for redeeming reward points through a specific platform.
Returned Payment/Cheque Fee	Rs 250	Fee if a cheque or auto-debit payment is returned unpaid.
Card Replacement Fee	Rs 100	Fee for replacing a lost or damaged card.
EMI Fee	1% of the transaction amount (minimum amount applies)	A fee is charged for converting a transaction into EMI.

IDFC FIRST Millennia Credit Card EMI and Balance Transfer Facility

The Balance Transfer feature on the IDFC FIRST Bank Credit Card lets you transfer your outstanding balance on another credit card to your IDFC FIRST Bank Credit Card. If you opt for the Balance Transfer on EMI option, you can quickly transfer the carried-forward balance on EMI.

Also Read – IDFC First Bank Select Credit Card

Here is how you should do it

Balance Transfer: It even offers balance transfers, whereby debt is shifted into another credit card, typically with reduced interest and pay-off rates.
Transfer Fee: There may be a fee for the balance transfer, usually between 3% and 5%.
EMI Conversion: If you let Emirates NBD convert the amount into EMIs, you would be charged a one-time fee of Rs. 99 or 1% of the amount transferred—whatever is higher—and GST, respectively.

How to do a Balance Transfer

Check if your card provider allows this service
Initiate the transfer process on their platform
Share the credit card details of the account you are transferring to and the amount you want to transfer.

IDFC FIRST Millennia Credit Card Eligibility Criteria

The key requirement is that one needs to be more than 18 years old to be eligible to apply for the IDFC FIRST Millennia Credit Card.

You must be an Indian citizen or a non-resident Indian.
You need to have a stable income and be able to make monthly repayments.
Your minimum annual income should be ₹3,00,000.

Documents Required for IDFC FIRST Millennia Credit Card

To apply for an IDFC FIRST Millennia Credit Card, you need to provide the following documents:

Proof of identity: Aadhaar card, voter ID, passport, or driving license
Proof of address: Aadhaar card, voter ID, passport, ration card, or electricity bill
Proof of income: Salary slip, Form 16, income tax returns, or audited financial document

How to Apply for the IDFC FIRST Millennia Credit Card?

Here’s a step-by-step process on how to apply for an IDFC FIRST Millennia Credit Card offline:

Visit the nearest IDFC Millennia Credit Card.
Ask for a credit card application form
Fill out the application form carefully.
Submit the application form along with the required documents.

Here’s a step-by-step process on how to apply for an IDFC FIRST Millennia Credit Card online:

Visit the official website of IDFC Bank.
Enter your name, mobile number, and DOB, and click ‘Get OTP.’
Enter the OTP received on your registered mobile number, agree to the terms & conditions, and then click ‘Proceed.’
Enter your PAN card number, gender, address, and pincode, and click ‘Proceed.’
Enter your occupation, company name, and salary, and click on ‘Continue.’
Enter your bank name, card variant, and credit limit, and click on ‘Continue.’
Enter your details (like the name on the card, marital status, mother’s name, education qualifications, Email ID, etc.), then click ‘Proceed.’
Fill in your office and company details, and click ‘Proceed.’
Select your address and click on ‘Proceed.’
Enter your Aadhar card number.
Enter the OTP received on your registered mobile number and click the ‘Submit’ option.
As a last step, complete your Video KYC within 3 days.
This is how you can apply for an IDFC First Millennia Credit Card.

Note: Make sure that at the time of Video KYC, you have black paper, a pen, and your original PAN card.

During the KYC video, an employee from HDFC Bank will appear on your screen and ask you to show him the original PAN card.
Then he’ll ask you to sit straight and capture a photo of you.
After that, he’ll tell you to put your signature on a blank piece of paper before him.
After these steps, your video KYC will be completed.
The card will be delivered to your address within a week.

Is the IDFC FIRST Millennia Credit Card Right for You?

The IDFC FIRST Millennia Credit Card is a rewards card that will reward you with up to 10X rewards on spends of ₹20,000 or more each month. It is a lifetime-free card, so it is perfect for those starting with credit cards.

Online shoppers used to get 6X points on online purchases earlier. However, currently, both online and offline purchases attract 3X points.

This card is apt for you if

You want a free credit card with rewards up to 2.5%.
You want benefits that are worth more than the card fee.
You can spend ₹20,000 or more monthly to maximise your rewards.
You don't mind where you shop or what brand you buy.
You want to redeem rewards quickly online or in-store.
You like the idea of free access to railway lounges.
You enjoy movie discounts.
You are willing to pay an additional fee for the UPI spend rewards.
You need dining offers.

Recent Changes to the IDFC FIRST Millennia Credit Card

Here’s a simple breakdown of the recent changes to the IDFC FIRST Millennia Credit Card rewards

Feature	Before Devaluation	Revised Feature (from 1st May 2024)
Reward Points on Online Purchases	6X points for online spends, up to ₹20,000 per month	3X points on both online & offline spends, up to ₹20,000 per month.
	10X points on spends above ₹20,000	10X points on spends above ₹20,000 remain the same.
Reward Points on Utility Purchases	1X points on utility spends for MCC 4900	1X points for utility spends on MCCs 4814, 4816, 4899 & 4900.
Reward Points on Education, Wallet Loads, and Govt. Service Purchases	Up to 10X points	3X points for these spends, and they will no longer count towards the 10X reward threshold.

IDFC FIRST Millennia Credit Card for UPI Payments

You can use the IDFC FIRST Millennia Credit Card for UPI payments by activating the digital RuPay version of the card through the IDFC FIRST Bank website or app.

Benefits

Earn reward points on UPI payments.
Link the card to UPI apps like BHIM, PhonePe, Paytm, and Google Pay.
Make payments at millions of stores using a QR code.

How to link Credit Cards to UPI?

Download any UPI app, like PhonePay, Google Pay from the Google Play Store or Apple Play Store.
Install the application on your device.
Open the app and go to your profile section.
Click on the ‘Link Rupay Credit Cards On UPI’ option.
Select the bank account to which your credit card is linked.
The app will now automatically retrieve your credit card details using your mobile number.
Select your UPI ID and click on ‘Add.’
Set your credit card UPI pin.
Verify your card details and click on ‘Proceed.’
This is how you can link your credit cards to UPI.

How to make a payment?

Scan a merchant's UPI QR code.
Enter the amount or use the auto-fetched amount.
Select the Credit Card.
Enter the UPI PIN.
This is how you can make your payments.

How to Use Credit Cards Wisely?

Pay on Time: Pay your bills on time. That way, you will avoid the late fee and interest that would be added on. Harm to your credit score is done when you delay the payment.
Pay Full Balance: If you can't pay the whole balance, pay the minimum so you won't get charged a late fee.

Keep Credit Use Low: Keep your usage to below 30% of your limit.
Use the Interest-Free Period: Pay your balance before it becomes due, thus avoiding the payment of interest.

Keep Your Card Details Safe: Never disclose your card details or PIN. Always use your card on a secure website ("https" is usually in the URL).
Keep an Eye on Your Spending: Be vigilant over your spending, and report anything that seems amiss immediately.

IDFC FIRST Millennia Credit Card Customer Care Details

You can reach IDFC FIRST Bank's customer care for the IDFC FIRST Millennia Credit Card by calling 1800 10 888. You can also contact them via WhatsApp, email, or the IDFC FIRST Bank mobile app.

Contact Details

Phone: 1800 10 888
WhatsApp: 95555 55555
Email: banker@idfcfirstbank.com
NRI Customer Care: nriservices@idfcfirstbank.com

Conclusion

The IDFC FIRST Millennia Credit Card is meant for young working professionals who desire rewards, savings, and lifestyle benefits minus the annual fee. It provides amazing benefits like 3X and 10X reward
points and exclusive discounts on movies and dining.

Designed for millennials, it offers financial flexibility with easy EMI conversion, low interest rates, and no expiry of reward points. From shopping, travel, to eating out, this card keeps your expenses minimal with quite liberal rewards. If you are a millennial looking for an all-in-one credit card, the IDFC FIRST Millennia Credit Card is the ticket!

FAQs related to IDFC FIRST Millennia Credit Card

Q1: What is the minimum age of an IDFC Millenia credit card?

To apply for the IDFC Millennia Credit Card, one has to qualify in a couple of other requirements. It requires that your annual income be over ₹3,00,000, and you must be above the age of 21 years.

Q2: Is the IDFC FIRST Millennia Credit Card free?

Yes, it has no joining or annual fees, making it a lifetime-free card.

Q3: Does the IDFC FIRST Millennia Credit Card offer any discounts on shopping?

Yes, the card offers various discounts and cashback on online shopping across multiple platforms.

Other Credit Cards
CSB Bank Credit Card	Indianoil HDFC Credit Card	GPF Credit Card
ICICI Bank Sapphiro Credit Card	DBS Spark Credit Card	ICICI Bank Coral Credit Card
HDFC Biz Grow Credit Card	IDFC First Millennia Credit Card	HDFC Diners Club Privilege Credit Card
ICICI HPCL Super Saver Credit Card	HDFC Bank Millennia Credit Card	ICICI Coral Rupay Credit Card
ICICI Emeralde Credit Card	Eazydiner IndusInd Credit Card	Business Regalia Credit Card
IDFC First Private Credit Card	American Express Smartearn Credit Card	IDFC First Power Plus Credit Card