IDFC FIRST Millennia

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Features & Benefits


Welcome Benefit

    • Get welcome voucher of 500 by spending 15000 within 90 days .

Reward Points

    • 3X Reward points on offline per 150 spend (0.5%)
    • 6X Reward points on Online purchase per 150 spend (1%)
    • 10X Reward points on incremental purchases above 20,000 and on birthday per 150 spend (1.66%). 

    • Rental and Property management transactions will earn 3XRP & will not be used to calculate 10X reward threshold. 
    • No RP for fuel, insurance, cash withdrawals
    • 1RP is 25 paise
    • Reward redemption fees of 99+GST is applicable.

Railway Lounge Access

    • 4 Complimentary Domestic Railway Lounge Access per quarter. Click here for details.

Fuel Surcharge

  • Enjoy fuel surcharge waiver of 1%; upto 200/month

Forex

  • Enjoy forex markup fees of 3.5%

Complimentary Insurance

    • Personal Accidental Death cover of 2 Lakh
    • Complimentary Roadside Assistance worth Rs1399

Movie Offer

    • Enjoy 25% discount on Movie tickets upto 100 from Paytm Movies twice per month.

Fee

  • No Annual /Joining Fee
  • Card also offers low interest rate starting from 0.75 - 3.5% per month (9-42% per annum)

Verdict

IDFC Millenia is a lifetime free credit card with limited benefits. It's downgraded variant of IDFC Classic.Base reward 0.5% & accelerated rewards of 1.6% is poor. Better to keep off these cards. 

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