Overview
The IDFC First Bank Millennia Credit Card is an entry-level credit card offering a range of user benefits. Designed for secure and convenient transactions, it provides features like reward points, railway lounge access, and more.
Fees and Charges of IDFC First Bank Millennia Credit Card
| Particulars | Charges |
|---|---|
| Joining Fee | No joining fee |
| Annual Fee | No annual fee |
| Lounge Access | 4 railway lounge access per quarter |
| Cashback | 5% cashback on the first EMI transaction within the initial 90 days |
| Cash Advance Fee | 2.5% of the transaction amount |
| Late Payment Fee | Up to INR 600 – based on the amount due |
Reward System
| Spending Category | Reward Points |
|---|---|
| Every INR 100 spent offline | 3 points |
| Every INR 100 spent online | 6 points |
| Every INR 100 spent on birthday | 10 points |
Application Process
Apply online via the bank’s website by filling out the application form. Submit personal, financial details, and KYC documents. The bank will review your application for eligibility.
Lounge Access
Railway lounge accesses: 4 per quarter.
Domestic / international airport lounge access: NIL