IDFC FIRST Bank offers the option to avail rewards benefits on your UPI spends by activating a digital UPI version of your existing IDFC FIRST Millennia RuPay credit card. This facility can be availed by applying online using the bank website or app and paying an additional annual fee of Rs. 199. You can earn 3X rewards on UPI spends above Rs. 2,000 and 1 reward point per Rs. 150 spent on UPI transactions below Rs. 2,000 through this IDFC FIRST Digital RuPay Credit Card.
IDFC FIRST
IDFC FIRST Millennia Credit Card
Movies
Reward Points
Rewards
Up to 10X reward points on card spends
Movies
Up to 25% off on movies every month
Lifetime free
No joining or annual fee charged
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IDFC FIRST Millennia Credit Card is a lifetime-free rewards credit card using which the cardholders can earn up to 10X incremental reward points on their spends. These rewards come without any expiration date or capping on their accrual which is an added benefit. Other lifestyle benefits, including discount on movies, railway lounge access, roadside assistance and brand offers, accompany the rewards program. This IDFC FIRST credit card, despite not charging any annual fee, also comes with joining benefits worth up to Rs. 1,500 which is quite exceptional for such cards. However, you can get good overall returns only if you are able to maximise your savings by spending beyond the monthly spending condition of Rs. 20,000 to unlock 10X rewards. The limited redemption value of the accrued rewards must also be taken into consideration before opting for this card. Read on to know ore about this card.
Rewards Program
- 10X Reward Points1: On birthday spends and on incremental spends above Rs. 20,000 in every month
- 3X Reward Points1: On online & offline transactions till Rs. 20,000 monthly spends
- 1X Reward Points: 1 reward point per Rs. 150 spent on all utility and insurance bill payments
- Exclusions: Fuel spends, cash withdrawals and EMI transactions
- Rewards Validity: Earned reward points do not expire
- Redemption Value: 1 Reward Point = Rs. 0.25
- Redemption Fee: Rs. 99 + GST per redemption
Here, the base rewards rate for online and offline spends is 0.50%. However, for all the incremental spends that are made post reaching the monthly spend threshold of Rs. 20,000, this reward rate increases to 1.67%. This rewards rate can be considered a decent one for a beginner’s level credit card, especially when compared to Wealth and Select variants that are presented as mid-range or premium IDFC FIRST credit cards for high-income individuals but come with a similar rewards structure. IDFC FIRST Millennia card users can redeem these accumulated points directly for any purchase made at select online and in-store merchants through the ‘pay with points’ option or use their points to avail other offers on various products and services, as offered by the bank.
Other Features & Benefits
- Joining Benefits
- Rs. 500 Gift Voucher: On spending at least Rs. 5,000 within 30 days of card issuance
- 5% Cashback: Cashback capped at Rs. 1,000 on the 1st EMI transaction made within 30 days of card issuance
- Movie Offer: 25% off of up to Rs. 100 on movie tickets through District by Zomato app, once a month
- Railway Lounge Access: 4 complimentary railway lounge visits per calendar quarter, on spending a min. of Rs. 20,000 in the previous month to access free visits in the current month
- Interest-Free Cash Advances: 0% interest charged on credit card cash withdrawals at ATMs for up to 45 days2
IDFC FIRST Millennia Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Nil |
| Finance Charges | 0.71% to 3.85% p.m. (8.5% to 46.2% annually) |
| Late Payments Fees | 15% of the unpaid dues, subject to a min. of Rs. 100 & max. of Rs. 1,300 |
Things to Know Before you apply
Get This Card If:
You want to get a lifetime-free credit card with good joining benefits
You are looking for a rewards credit card with the option directly redeem the rewards for online and in-store purchases
You will be able to make monthly spends above Rs. 20,000 to avail a decent enough reward rate
You do not have any brand or merchant preferences and do not want a card with any category-specific benefits
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What do we like about this card?
This is a lifetime free credit card that offers considerable value-back through joining benefits. Cardholders can earn uncapped reward points that never expire on their spends and maximise their returns, as per their monthly spends, by availing the 10X rewards benefits on all incremental spends. The accelerated rewards feature does not come with any merchant restrictions and is offered across all the major spending categories. Other lifestyle benefits like movie discount offer and complimentary railway lounge access let the card users have additional savings. Interest-free cash withdrawal for up to 45 days - a feature generally reserved for only select premium cards - is also offered by this card (though it is still advised to avoid credit card cash advances).
Pros
- Lifetime-free credit card
- Joining benefits worth up to Rs. 1,500 despite not charging any card fee
- Movie discount every month with savings of up to Rs. 1,200 in a year
- Up to 16 complimentary railway lounge visits per year
- Interest-free ATM cash withdrawals for up to 45 days
Cons
- Monthly spend-based condition on 10X rewards
- Low reward rate and redemption value
Conclusion
IDFC FIRST Millennia Credit Card is a decent choice for those who wish to get a basic non co-branded credit card that does not come with any annual charges. Some of its major attractions include the rewards program, movie discount and railway lounge access, but these benefits can only be optimised by those who spend more than Rs. 20,000 in a month. If you do not mind paying an annual fee for more extensive card benefits or are looking for accelerated benefits on certain brands or spending categories, then you should opt for other card options.
Frequently Asked Questions
Everything you need to know about this credit card
No, the rewards points offered by your IDFC FIRST Millenia Credit Card do not expire.
The applicant must have an annual income of at least Rs. 3 lakh. Apart from this, your eligibility depends on other internal policies as set by the credit card provider.
At present, only FIRST Classic, FIRST Millennia, FIRST Wealth, FIRST Select, FIRST Private, FIRST WOW!, and FIRST SWYP credit cardholders can get FIRST Digital RuPay Credit Card.
No, IDFC FIRST Millenia Credit Card does not offer airport lounge access. However, it offers 4 complimentary railway lounge visits every quarter.
You can call the 24X7 helpline number 180010888 to contact IDFC FIRST Bank customer care.
Footnotes
- Government services, rent & property management, education and wallet load transactions also earn 3X reward points, but these spends are not considered towards 10X rewards milestone calculation.
- A one-time fee of Rs. 199 + GST is still applicable at the time of credit card cash withdrawal.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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