IDFC Credit Card
Apply for the IDFC Millennia Credit Card and enjoy lifetime free benefits, exciting rewards, and low charges. Check Millennia Credit Card charges, features, and eligibility before you apply online.
On IDFC First Bank Website
Features and Benefits
Aspects that make spending using this card lit as the sun!
- Welcome Bonus
- Movie offer
- Fuel
- Up to 3X Rewards
- Shopping
- Cashback
- Dining
- Lounge Access
- Interest free cash withdrawal
Welcome Offer
Gift Voucher worth ₹500 on spending ₹5,000 within 30 days of card generation
Reward Points
For online and offline spends on select categories
Interest free cash withdrawal
from ATM upto 45 days
Lounge Access
4 complimentary Railway lounge visits per quarter
Dining offer
Upto 25% across 1,500 restaurants , on all cards
Interest free cash withdrawal
from ATM upto 45 days
Movie offer
Discount offers between 25-75% on movie tickets every month on certain variants
Cashback on EMI
5% cashback (up to ₹1,000) on the transaction value of first EMI done within 30 days of card generation
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Joining Fee
Free
Annual Fee
Free
EMI Conversion
Yes
Reward Type
Reward Points
Eligibility Criteria for IDFC Credit Card
Minimum Age Requirement: Salaried individuals must be at least 21 years old. Self-employed applicants should be 23 years or older.
Monthly Income: Minimum income of ₹20,000/month is required to ensure financial capability.
Resident Status: Must be an Indian resident with a valid credit history. A good credit score improves approval chances.
Stable Income Source: Whether salaried or self-employed, a steady income with valid financial documents is essential.
Documents Required to Apply
Once you’re sure you meet the eligibility, keep these documents handy to complete your application quickly:
Identity Proof (Any one): PAN Card, Aadhaar Card, Voter ID, Passport
Address Proof (Any one): Aadhaar Card, Utility Bill (electricity/gas/water), Passport
Income Proof (Any one): Latest salary slips (salaried), Bank statement, ITR (self-employed)
Photograph: One recent passport-size photo
Frequently Asked Questions
There is no Joining or Annual fee applicable on following IDFC FIRST Bank credit cards
FIRST Millennia
FIRST Classic
FIRST Select
FIRST Wealth
FIRST WOW!
There is no expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card except for LIC Classic & LIC Select Credit Cards.
You can apply for our Co-branded Credit Cards if you are already an IDFC FIRST Bank credit card holder.
The credit limit will be shared with your existing IDFC FIRST Bank Credit Card.
Additionally, you can also apply for:
- FIRST Digital RuPay Credit Card: To enable UPI transactions on your existing IDFC FIRST Bank Credit Card, you can apply for our instantly issued RuPay Credit Card.
- FIRST WOW! Credit Card: A secured, fixed deposit-backed card with 0% forex markup fees on international transactions.
- Stories: A personalised Credit Card with your favourite image on it.
- Add-on cards: You can also obtain an add-on Credit Card for anyone, including friends and family members, if you are an existing IDFC FIRST Bank Credit Card holder.