IDFC Millennia Credit Card Benefits – Complete Guide & Cashback Rewards

Key Takeaways
 

• IDFC Millennia Credit Card benefits let you earn high reward points. They include 3X points on online purchases up to ₹20,000 per month and 10X points on incremental spends and birthday purchases.
   
• You enjoy an attractive lifestyle and travel IDFC Millennia Credit Card benefits. These include complimentary railway lounge visits, fuel surcharge waivers, roadside assistance, and discounts at restaurants and shopping outlets.
   
• You get flexible financial options, including easy monthly instalments (EMIs), low finance charges, and interest-free cash withdrawals for up to 48 days.
   

Geeta switched to a new job with a significant push in her salary. She decided to look for a credit card that gives high rewards, travel perks, and lifestyle benefits. She came across the IDFC Millennia Credit Card benefits and decided to apply for it.

The IDFC Millennia Credit Card is designed for young professionals and frequent spenders who want value on every transaction. From online shopping to dining and travel, this card maximises IDFC Millennia credit card benefits while keeping payments flexible and convenient.

For example, I recently utilised the IDFC Millennia Credit Card benefits by making an online purchase of ₹25,000. I earned 10X reward points on the incremental spend above ₹20,000. I also redeemed points instantly for a shopping voucher, which made the whole experience seamless.

This blog explains all the IDFC Millennia credit card benefits, including reward points, cashback offers, travel privileges, EMI options, and lifestyle perks, so you can see how it fits your spending habits and financial needs.

Key Benefits of IDFC Millennia Credit Card Benefits

The IDFC Millennia Credit Card benefits are perfect for young professionals and frequent spenders who want high rewards, travel perks, and lifestyle benefits. 

Whether you shop online, travel, or dine out, this card maximises IDFC Millennia Credit Card benefits while keeping finances convenient and flexible. You can easily do IDFC Millennia Credit Card apply through the bank’s mobile app or website. It will unlock IDFC Millennia Credit Card benefits.
 

The IDFC Millennia Credit Card offers a powerful mix of high reward points, attractive cashback, travel perks, and flexible spending options. By applying through the IDFC First Millennia Credit Card apply process, you can enjoy lifestyle, shopping, and financial benefits. The IDFC Millennia Credit Card benefits suit both everyday expenses and special occasions.

Eligibility Criteria and Documents Required for availing IDFC Millennia Credit Card benefits

The IDFC Millennia Credit Card benefits are designed for young professionals and regular spenders who want lifestyle perks and rewards. To qualify for this card, you must meet the following criteria:

• You must be over 18 years of age.
• You must have a steady income with the ability to pay off the card each month. The minimum annual income requirement is ₹3 lakh.
• You should maintain a good credit score, which helps determine your IDFC Millennia Credit Card limit and ensures approval.

The card is ideal for individuals who want easy access to credit with lifestyle and entertainment IDFC Millennia Credit Card benefits. These include movies, dining, and online spending.

Documents Required for the IDFC Millennia Credit Card

You need to submit the following documents during your application to start availing the IDFC Millennia Credit Card benefits:

1. Identity Proof (any one)

• PAN Card
• Aadhaar Card
• Voter ID Card
• Passport
• Driving Licence

2. Address Proof (any one)

• Aadhaar Card
• Passport

3. Income Proof

• Latest salary slips (for salaried individuals)
   
• Latest Income Tax Returns or bank statements showing regular income (for self-employed individuals)

These documents allow the bank to verify your profile and determine your credit limit, applicable charges, and benefits.

The IDFC Millennia Credit Card offers practical rewards, entertainment perks like movie tickets, and a flexible credit limit. These IDFC Millennia Credit Card benefits make it ideal for young professionals who want a combination of lifestyle benefits and financial convenience.

Conclusion

The IDFC Millennia Credit Card combines high reward points, lifestyle perks, and travel benefits in one card. With flexible EMI options, cashback offers, and interest-free cash withdrawals, it suits young professionals and frequent spenders. By leveraging the IDFC Millennia Credit Card benefits, you can enjoy shopping, dining, travel, and online rewards while managing your finances conveniently.

Bonus Tip:

The IDFC FIRST Millennia Credit Card is lifetime-free. You don’t need to pay any joining fee or annual membership charges to avail the IDFC Millennia Credit Card benefits. It is a cost-effective choice for regular spending and rewards.

FAQs

FAQ 1: Can I redeem IDFC Millennia Credit Card reward points anytime?
Answer: Yes, the reward points never expire, and you can redeem them anytime for shopping, travel, dining, or lifestyle purchases, making the card highly flexible and rewarding.

FAQ 2: What special rewards and offers does the IDFC FIRST Millennia Credit Card provide?

Answer: The card gives welcome points, accelerated rewards on streaming, dining, groceries, and utility bills, milestone and birthday bonuses, partner discounts on travel, dining, and retail, plus EMI and digital wallet offers.

FAQ 3: Can the annual fee or insurance benefits be waived on the IDFC FIRST Millennia Credit Card?

Answer: Yes, the annual fee can be waived in the first year or on meeting a spending threshold, and the card offers basic complimentary insurance like lost card liability and limited travel or accidental cover.

FAQ 4: Is the IDFC Millennia Credit Card good for rewards?
Answer: Not really. The card has low base rewards (1 point per ₹150) and a point value of just ₹0.25, making its reward benefits less valuable. It’s mainly useful for building your credit score as a lifetime-free card.

FAQ 5: Is the IDFC Millennia Credit Card worth keeping?

Answer: It depends on your goals. If you want a lifetime-free card to build a credit score, it’s useful. But if you expect strong rewards or perks, the returns are modest, so it may not be worth keeping long-term.
 

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.