All You Need To Know About Idfc First Millennia Credit Card

Introduction:

Idfc Bank first millennia credit card is a lifetime free credit card with zero joining fee. This card is suitable for travelers as it has free railway lounge and airport lounges and roadside assistance worth 1399/-

Features:

• Their is an incremental reward program, if the card holder put a monthly spending of  more than Rs 20,000 they can earn 10x reward points ( the reward points will never expire, reward points can be used for substantial value back )
• Upto a monthly spend limit of Rs 20,000 , 3 reward points per Rs 150 spent on offline and 6 reward points per Rs 150 spent online.After reaching monthly spend milestone of Rs 20,000, 10 reward points are allotted per  Rs 150 spend across all categories
• Get Rs 500 gift voucher in the first 90 days on spend of Rs 15,000
• Also get 5% cashback with EMI transaction within the first 30 days of card activation
• The most elite feature is that their is no joining fee, a lifetime free credit card which offers benefits upto Rs 1,500.
• The IDFC First Millennia Credit card comes at an interest rate of 0.75% and 2.99% per month.

Proofs Required:

Identity proof – pan card, passport, driving license, aadhar card, voter id etc, any government approved photo id proofs.

Address proof – aadhar card, passport,voter id,driving license

Income proof – latest one or two salaried slips (not more than 3 months old) , latest form 16, bank statement of last 3 months

Eligibility Criteria:

1. Your age must be above 18 years to enable this card
2. You must be an Indian citizen
3. You should have a minimum monthly salary of 25,000 or above
4. You can be salaried or self employed, just you must be able to establish that your net monthly income is sufficient to repay your bills when it’s due time
5. You are required to have a minimum CIBIL score of 700 and above

More features:

• Free access to 8 domestic airport lounge in a year
• 4 complimentary railway lounge visit per quarter in a year
• 1,399/- worth road assistance (complimentary)
• You will get 25% off on movie tickets which are booked through Paytm mobile app
• Throughout the year merchant offers are available
• Get 20% discount at partner restaurants of Idfc (1,500+ restaurants)
• Get Rs 300 at fuel stations in India (one waiver per month)

Insurance:

Personal accident insurance cover: upto 2 lakh 

Lost card liability cover: Rs 25,000

How to apply:

Apply through our website www.quickpolicy.in/idfc. Apply now for lifetime benefits

Charges:

Foreign exchange markup – 3.5%

International and 

Domestic cash.                  – Rs 250/-

Last payment fee.              – 15% of your due amount( min of 100 and maximum 

                                              Of 1000/-)

Joining fee.                        – nil

Over limit fee.                    – 2.5%

Reward redemption fee.    – 99/- + gst

Atm withdrawal fee.           – free upto 48 days ( 199/- with interest monthly on          .                . cash ranging from 0.75% to 3% )

Conclusion  

A superhero card for middle class families who are willing to spend up to the limit and getting access to various benefits revealed by this card throughout their lifetime.