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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