About IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card is a lifetime free rewards card that allows users to earn accelerated reward points on their spending, with the opportunity to earn up to 10X points on eligible transactions. A key advantage of this card is that the reward points do not expire and there is no upper limit on how many points you can accumulate.
Along with its rewards program, the card offers multiple lifestyle-related benefits such as discounts on movie tickets, access to select railway lounges, roadside assistance, and periodic partner brand deals. Despite having no joining or annual charges, the card also provides welcome benefits valued at up to ₹1,500, which is uncommon for no-fee cards.
To truly maximise returns, cardholders need to meet the monthly spending threshold of ₹20,000 to unlock higher reward earnings. Additionally, while rewards can add up quickly, their redemption value is relatively modest, which should be considered before choosing this card as a primary spending option.
Rewards Program
Earn accelerated 10X reward points on birthday purchases and on incremental spends above ₹20,000 in a billing month.
Receive 3X reward points on both online and offline transactions for monthly spends up to ₹20,000.
Utility payments and insurance bills earn 1 reward point for every ₹150 spent.
Certain transactions such as fuel purchases, cash withdrawals, and EMI conversions are excluded from earning rewards.
Reward points earned on the card have no expiry, allowing long-term accumulation.
Each reward point carries a value of ₹0.25 at the time of redemption.
A redemption charge of ₹99 plus applicable GST is levied per request.
IDFC FIRST Millennia Credit Card: Other Features & Benefits
- Joining Benefits: Receive a ₹500 gift voucher on spending a minimum of ₹5,000 within 30 days of card issuance.
- Cashback Offer: Get 5% cashback, capped at ₹1,000, on the first EMI transaction completed within 30 days of card activation.
- Movie Discounts: Enjoy 25% off (up to ₹100) on movie tickets booked through the District by Zomato app once every month.
- Railway Lounge Access: Avail 4 complimentary railway lounge visits per calendar quarter by spending at least ₹20,000 in the previous month.
- Interest-Free Cash Advances: Cash withdrawals at ATMs are interest-free for up to 45 days.
- Fuel Savings: 1% fuel surcharge waiver on fuel spends ranging from ₹200 to ₹5,000, with a maximum benefit of ₹200 per month.
- Roadside Assistance: Complimentary 24/7 assistance up to 4 times per year, valued at ₹1,399, through Global Assure.
- Insurance Coverage: Personal accident insurance worth ₹2 lakh and lost card liability protection up to ₹25,000.
IDFC FIRST Millennia Credit Card Reward Points & Cashback Calculator
IDFC FIRST Millennia Card: Fees & Charges
Important Points to Consider Before Applying
Ideal Candidates for This Card:
If you want a credit card that is free for life and comes with attractive joining offers.
If you prefer a rewards card that allows direct redemption of points for both online and in-store purchases.
If your monthly spending is generally above Rs. 20,000, so you can earn rewards at a higher rate.
If you don’t have a preference for specific brands or categories and are looking for a general-purpose rewards card.
Other Cards You May Consider:
- YES Bank Paisabazaar PaisaSave Credit Card
- HDFC Moneyback+ Credit Card
- SBI SimplyCLICK Credit Card
- American Express SmartEarn™ Credit Card
Steps to Close IDFC FIRST Millennia Credit Card
If you want to close your IDFC FIRST Millennia Credit Card, you can complete the process easily through the bank’s digital banking services such as mobile app or internet banking without visiting a branch.
Close via Mobile App or Net Banking
- Step 1: Log in to Your Account
Sign in to the IDFC FIRST Bank mobile app or internet banking using your registered credentials - Step 2: Go to Cards Section
Navigate to the “Cards” or “Accounts” section and select your IDFC FIRST Millennia Credit Card - Step 3: Choose Closure Option
Select the option to close or deactivate your credit card from the available settings - Step 4: Enter Required Details
Provide necessary information such as the reason for closure and complete the verification process as instructed - Step 5: Confirm and Submit Request
Review all the details carefully and submit your request
You may be required to complete OTP verification for confirmation
Important Points Before Closing the Card
- Ensure all outstanding balances, EMIs, and charges are fully cleared
- Redeem all reward points or benefits before initiating closure
- Cancel all auto-debits, subscriptions, or standing instructions linked to the card
- Avoid using the card after submitting the closure request
After Submitting the Closure Request
- Do not perform any further transactions on the card
- Destroy the physical card safely after receiving closure confirmation
- Check your credit report after a few weeks to ensure the status is updated as “Closed”
IDFC FIRST Millennia Credit Card Helpline Number
If you need assistance related to your IDFC FIRST Millennia Credit Card, you can contact the customer support team of IDFC FIRST Bank. They provide reliable support for billing queries, transactions, card blocking, and other credit card services.
Customer Care Numbers (24×7)
These numbers are available round the clock for all credit card-related queries and emergency support.
Email Support
- Customer Care Email: banker@idfcfirstbank.com
- You can send your queries or complaints from your registered email ID for faster resolution
Services Available
- Assistance with billing and transaction-related issues
- Support for payment status and monthly statements
- Help with blocking lost or stolen cards
- Guidance for credit card closure or cancellation requests
- General banking and account-related support
Important Points
- Keep your registered mobile number and identity details ready for verification
- Always use official IDFC FIRST Bank contact details to avoid fraud or scams
- Immediately report and block your card if you notice any suspicious or unauthorized activity
