Will reward points earned on this card expire?

No, the reward points that you earn on this credit card will not expire.

Is there any annual fee for the IDFC FIRST Millennia Credit Card?

There is no joining fee, annual fee or membership fee with this credit card.

Do I need to enter my credit card PIN at all POS terminals?

In India, you have to enter a PIN to complete the transaction. If you are abroad, you have to enter the PIN only if the POS terminal is enabled for PIN authentication.

IDFC FIRST Bank Millennia Credit Card

The IDFC FIRST Millenia Credit Card has been launched to offer you more rewards on your expenses. The reward points you earn on this IDFC First Bank credit card will never expire. Enjoy some of the best benefits with this new credit card by IDFC Bank without having to pay any joining fee. The IDFC FIRST Millenia Credit Card comes at an interest ranging between 0.75% and 2.99% per month.

Key Highlights of IDFC FIRST Millenia Credit Card

10X reward points on every transaction that you make on your birthday.
Get a discount of 25% on your movie ticket up to Rs.100 (once a month).
Enjoy up to 20% off at 1,500 restaurants across India.

Benefits of the IDFC FIRST Millenia Credit Card

Category	Benefits
Welcome Benefits	Enjoy welcome gift vouchers worth Rs.500 when your expenses reach Rs.15,000 within the first 90 days of your IDFC FIRST Millennia Credit Card being issued. 5% cashback on your very first EMI transaction which is performed within 90 days of your credit card being issued.
Reward Points Benefits	Enjoy 10X reward points every time your expenses reach Rs.20,000. Get 3X reward points on all your offline expenses. 10X reward points on every transaction that you make on your birthday. Receive 6X reward points on every online purchase. Get 1 reward point when you spend Rs.100 on your credit card.
ATM Withdrawal Benefits	Enjoy interest-free cash withdrawal from ATMs in the country for up to 48 days.
Entertainment Benefits	Get a discount of 25% on your movie ticket up to Rs.100 (once a month). 15% off at over 3,000 health and wellness outlets.
Dining Benefits	Enjoy up to 20% off at 1,500 restaurants across India.
Fuel Benefits	Get a fuel surcharge waiver of up to Rs.300 at fuel stations in India (one waiver per month).
Travel Benefits	You will get 4 complimentary railways lounge visits (4 visits per quarter).
Insurance Benefits	You will get a personal accident cover of Rs.5 lakh. Receive a complimentary lost card liability cover of up to Rs.25,000.

Fees and Charges of IDFC FIRST Millenia Credit Card

Type of Fee	Amount
Joining fee	NIL
Reward redemption fee	NIL
Over limit fee	NIL
Late payment fee	15% of your due amount (this will be subject to a minimum Rs.100 and a maximum of Rs.1,000)
Foreign exchange markup	3.5%
International and domestic cash advance fee	Rs.250

Documents Required for IDFC FIRST Millenia Credit Card

The bank will ask you to submit these documents after you have qualified for the IDFC FIRST Millenia Credit Card:

Proof of Address	Passport Voter ID Ration Card Aadhaar Card
Identity Proof	Driving License Aadhaar Card Passport
Income Proof	Form 16 IT Returns Salary Slip

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FAQs on the IDFC FIRST Millenia Credit Card

Will reward points earned on this card expire?
No, the reward points that you earn on this credit card will not expire.
Is there any annual fee for the IDFC FIRST Millennia Credit Card?
There is no joining fee, annual fee or membership fee with this credit card.
Do I need to enter my credit card PIN at all POS terminals?
In India, you have to enter a PIN to complete the transaction. If you are abroad, you have to enter the PIN only if the POS terminal is enabled for PIN authentication.

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