IDFC FIRST Millennia Credit Card

Apply for the best credit card of Idfc First Bank

Last updated:05-Aug-2024
IDFC FIRST Millennia Credit Card
  • Best suitable for: Shopping
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: NA
Idfc First Millennia Credit Card

IDFC FIRST Millennia Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ Lifetime Free
Finance Charges:3.65% per month (43.8% annually)
Spend Based Waiver:Lifetime Free
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 550/-
Rent Payment charges1% of transaction value, subject to minimum of 249 per transaction
Forex Charges:3.5% of the transaction value
Minimum Repayment Amount:5% of Total outstanding + All charges/fees/taxes + EMI
Cheque Return Fees:2% of the payment amount subject to min of Rs. 500
Late Payment Charges:
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 100NIL
Above 100/- and up to 500/-100
Above 5,00/- and up to 5,000/-750
Above 5,000/- and up to 8,000/-1200
Above 8,000/- and up to 10,000/-1300
Above 10,000/-1300

IDFC FIRST Millennia Credit Card: Eligibility & Documentation


1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

IDFC FIRST Millennia Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 199/- Per transaction
Cash Advance Withdrwan Limit: Upto 40% of the card limit
Cash Payment at Bank Branch: NIL

Add-on Card facility: NIL

Card replacement fee: Rs 100 + GST

Rewards Redemption Fee: 99 per redemption transaction

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 200 to 5,000 and Maximum of 200 per month.

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