What are the joining charges of IDFC First Millennia Credit Card?

IDFC First Millennia Credit Card offers a rewarding experience to customers. Further, here you will earn a reward for your every purchase. The credit card comes with benefits like a welcome voucher, reward points, cashback, complimentary railway lounge, roadside assistance, fuel surcharge, and many more. Whereas, the credit card doesn’t come with joining fees or annual charges. As a result, you can avail all the benefits for free. Keep reading to know more about “What are the joining charges of IDFC First Millennia Credit Card?”.

Benefits of IDFC First Millennia Credit Card

IDFC Bank offers different types of IDFC Credit Cards to customers. Therefore, you can first evaluate and then choose the best one for yourself. First Millennia Credit Card is a suitable option for those who are looking for rewards and cashback. It offers up to 10X reward points on spending above INR 20,000 per month. Also, you will get 10X reward points for spending INR 20,000 on your birthday. Avail 6X reward points for all your online purchases. Whereas, you will get 3X reward points for all offline purchases. However, to avail rewards on online and offline purchase your spending amount should be INR 20,000 per month. The best part about the reward points is that they will never expire. Hence, you can accumulate them and redeem them whenever there is a need. Additionally, you can use the reward points to pay instantly for any offline or online purchases. 

As a welcome benefit, you will get a voucher worth INR 500 on spending INR 15,000. However, to avail the benefit the transaction should be done within 90 days of credit card issuance. Besides this, 5% cashback up to INR 1000 on the first EMI done within 30 days of credit card issuance. Avail 25% discount on movie tickets up to INR 100 via Paytm Mobile App. The offer is however valid once per month. Traveling via railways can be problematic often when the train is late. However, we tend to use the lounges to chill and relax. Moreover, these railways lounges can add up the burden to your pocket. Therefore, the IDFC First Millennia Credit Card provides up to 4 railways lounges free at no cost. As a result,  you can enjoy free railway lounges and elevate your journey. 

Moving ahead, the card offers worth INR 1399 roadside assistance at no cost. A 1% fuel surcharge waiver is offered at all petrol stations in India. However, per month you can avail of INR 200 per month. It is applicable on transaction amounts between INR 200 and INR 5000. Further, enjoy more than 300 merchant offers throughout the year. Also, the card provides up to 20% discount in more than 1500 restaurants. As we all know that the number of fitness freaks is increasing day by day. As a result, the First Millennia Credit Card provides a 15% discount at more than 3,000 health and wellness outlets. Nevertheless, you will get personal accident cover worth INR 2 lakh. Also, INR 25,000 is provided as Lost Card Liability Cover to safeguard the cardholder from any fraudulent transactions. 


IDFC First Millennia Credit Card is one of the best rewards credit cards in India. You can grab here a wide range of rewards through your journey. Also, the credit card allows you to convert transactions worth INR 2500 or more than it into flexible EMIs. To obtain the  IDFC First Millennia Credit Card you don’t have to pay joining fees. It is because the credit card is lifetime free for all customers. For any query contact the customer care department of IDFC Bank.