Apply for IDFC First Millennia Credit Card in Minutes

IDFC First Millennia Credit Card 2023: The IDFC First Millennia Credit Card is a featured credit card offered by IDFC Bank, boasting incredible offers and cashbacks. The card presents an array of fantastic rewards that are hard to overlook. Notably, it provides an impressive 10X reward points for transactions amounting to ₹20,000 or more. Additionally, users can earn 6X reward points for online shopping using the card, and for offline expenditures, a reward rate of 3X points is offered. For more detailed information about the IDFC First Millennia Credit Card,Eligibility continue reading this article.

IDFC First millennia credit card

With the IDFC First Millennia Credit Card, you enjoy the perk of having reward points that never expire, offering indefinite validity. The card is laden with a multitude of features, and the best part is that you can obtain access to the card without incurring any joining fee. Furthermore, there are no annual charges; the card is free for a lifetime.

The benefits extend to various realms, including receiving discount coupons for movie tickets and accessing exclusive offers on a range of products. These distinctive features contribute to making the IDFC First Millennia Credit Card stand out as one of the best options in the market.

FeaturesWith the help of the IDFC first millennia credit card, you can avail of many exciting rewards and cashback, and the best part about all that is they never expire. Also, you don’t have to pay a single rupee from your pocket during the joining, and there aren’t any annual charges.
Eligibility CriteriaThe eligibility criteria are pretty straightforward. You have to be a citizen of India, and you also need to have a regular source of income and some income limits for monthly and yearly. It would help if you had a good credit score to be able to get the card.
Application ProcessThe application process involves very few steps, and it is straightforward to fill. You would need to visit the bank or choose to do all the functions from its official website.
Documents RequiredThere are some documents that you need to have with you during the application process. These documents are related to your identity, address, income, and other relevant information.
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Eligibility Criteria

Before applying for the IDFC First Millennia Credit Card, it’s essential to meet certain eligibility criteria. Ensure that you fulfill these criteria before initiating the application process. You can check the eligibility criteria here or inquire by visiting the bank or contacting the officials.

IDFC First Millennia Credit Card Eligibility Criteria

  1. The applicant must be an Indian citizen; foreigners or NRIs are not eligible.
  2. Minimum age requirement is 21 years, and the maximum age limit depends on your profession. Self-employed individuals can apply up to the age of 65, while salaried employees have a limit of 60.
  3. Regular and a specified income are necessary to qualify for the card.
  4. A good credit score is required, and having a previous credit card can facilitate the application process.
IDFC First millennia credit card 1

Application Process (Online/Offline)

The application process for the IDFC First Millennia Credit Card is straightforward. You can easily fill out the application form online or offline based on your preference.

Steps to Apply:

  1. Step I: Visit the bank or the official website.
  2. Step II: Fill out the application form. If you face any difficulties, seek advice from the officials.
  3. Step III: Upload scanned images of all required documents. After uploading, submit the application form.
  4. Step IV: Once submitted, you can’t make changes. Wait for the card to be delivered in a few days.

Documents Required

Certain documents are necessary when applying for the IDFC First Millennia Credit Card. Here is a list of the required documents:

  1. Proof of identity such as Aadhaar card, passport, voter ID card, etc.
  2. Address proof like Aadhaar card, passport, driving license, etc.
  3. Documents related to your business and income proof.
  4. A PAN card for successful KYC.


Can I earn 10X reward points only by spending 20,000 or more?

No, that’s not the case. You can earn 10X reward points by using your card on your birthday as well.

What is the reward rate for the bank’s reward points?

The reward rate is straightforward. For online spending, it is 1.7%, and for offline expenditures, it is 0.75%. However, for transactions above 20,000, the reward rate increases to 2.5%.

Is there any Joining/Membership/Annual fee on IDFC FIRST Bank Credit Cards?

No, your card is free for life. There is no Joining/Membership/Annual fee applicable to any IDFC FIRST Bank Credit Cards.

Do the reward points on my card have an expiry date?

No, there is NO expiry date on the reward points accrued on your IDFC FIRST Bank Credit Card. They remain evergreen and can be availed of anytime you want.

Sanjeet Kumar is a graduate of Journalism, Psychology, and English. Passionate about communication - with words spoken and unspoken, written and unwritten - he looks forward to learning and growing at every opportunity. Pursuing a Post-graduate Diploma in Translation Studies, he aims to do his part in saving the 'lost…

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