IDFC first millennia credit card 2022: Features, Eligibility

IDFC first millennia credit card 2022: IDFC first millennia credit card is one of the credit cards of IDFC bank, which provides unbelievable offers and cashbacks. All the offers and rewards are altogether fantastic, and you can’t ignore those. They offer a whopping 10X reward points for a payment of 20,000 made from the card. Also, it provides a reward point of 6X on online shopping with the card, and if you are spending money via the card on anything offline, you will be rewarded with 3X reward points. To know further details about the IDFC first millennia credit card, read this article.

IDFC First millennia credit card

In IDFC First millennia credit card, one can get all the reward points for an indefinite period. That means they never expire. The card also has a lot of features in it. You can get access to the card without paying any joining fee as well. Also, I don’t need to pay any annual charges as well. It is free for a lifetime.

There are many other benefits and rewards as well. You can also receive many discount coupons on movie tickets, and you can also get one offer on various things. All these features make the IDFC first millennia credit card one of the very best in the business. 

FeaturesWith the help of the IDFC first millennia credit card, you can avail of many exciting rewards and cashback and the best part about all that is they never expire.

Also, you don’t have to pay a single rupee from your pocket during the joining, and there aren’t any annual charges.
Eligibility criteriaThe eligibility criteria are pretty straightforward. You have to be a citizen of India, and you also need to have a regular source of income and some income limits for monthly and yearly.
It would help if you had a good credit score to be able to get the card. 
Application process (Online/Offline)The application process involves very few steps, and it is straightforward to fill. It would help if you visited the bank or chose to do all the functions from its official website.
Documents RequiredThere are some documents that you need to have with you during the application process. These documents related to your identity, address, income, and other stuff related like
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Eligibility criteria

There is some eligibility criteria present which you need to take care of. Without being eligible for the card, you can’t possibly apply for it as well. It would help if you were sure before applying for the card. You can check about all the eligibility criteria from here, or also you can inquire about all this stuff by visiting the bank or by simply calling the officials. 

We have mentioned all the eligibility criteria of IDFC first millennia credit card, which you need to know:

  • The applicant must have to be an Indian. If he is a foreigner or a NRI, then he can’t get the card.
  • You need to have a minimum age of 21 and the maximum age depends on the profession of yours. Self employed can get the card till the age of 65, and in case of salaried employee, the age limit is at 60. 
  • You also need to have regular and a certain amount of income to be able to take the card. 
  • You need to have a good credit score and if you had one credit card before, then things would be easier for you. 

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Application process (Online/Offline)

The application process to get IDFC first millennia credit card is straightforward. You can quickly fill the application form, and later, you can follow all the steps. You have the option of both online and offline so that you can decide according to your comfort. 


We have mentioned below all the steps of which you can apply for the IDFC first millennia credit card:

Step I – the applicant needs to go to the bank or visit its official website. 

Step II – later, you can quickly fill the application, and if you feel any difficulties filling the application form, you can take advice from the officials. 

Step III – once the form filling is done, you can easily upload the scanned image of all the required documents. After uploading the documents, submit the application form. 

Step IV – once the form is submitted, you can’t change anything in it. It would help if you waited for a few days for the card to get delivered to you. 

Documents required

There are some documents that you need to have before applying for the IDFC first millennia credit card. We have mentioned all the documents which need:

  • The applicant needs to have bus identity proof like, Aadhaar card, passport, voter id card,, etc. 
  • Applicants also need to have their address proof like, Aadhaar card, passport, driving license, etc. 
  • You need to show the documents related to your business, and also the income proof.
  • You need to have a pan card as well, for a successful KYC. 

Frequently asked questions

Can I only get 10X reward points only if I spend money equal to 20,000 or more?

No, that’s not the case at all. You can get 10X reward points if you use your card on your birthday.

What is the reward rate at which the bank gives reward points?

The reward rate is straightforward to understand. For online spending, it is 1.7%, whereas for offline expenditure, it is equal to 0.75%. In the case of a transaction above 20,000, the reward rate increases to 2.5%.

Is there a Joining/ Membership/ Annual fee on IDFC FIRST Bank Credit Cards?

No, your card is free for life. There is no Joining/ Membership/ Annual fee applicable on any IDFC FIRST Bank Credit Cards.

Is there an expiry date on the reward points accrued on my card?

There is NO expiry date on the reward points accrued on your IDFC FIRST Bank Credit Card. You can avail of them anytime you want, it’s evergreen.

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