IDFC FIRST Millennia Credit Card Reviews, Features & eligibility. IDFC Bank is offering free lifetime credit card with NIL joining and renewal fees. This is a good card for entry level users but limited features.
Joining Fees/Annual Fees : NIL
Lounge Access : NIL
Features:
Welcome Benefits: Voucher of INR 500 on spending INR 15,000 within 90 days of activating the card.
Cash Back: 5% cash back to the maximum of INR 1,000 equivalent to the transaction value of first EMI done within 90 days of card generation.
Cash Back:
- 6 reward points on every INR 150 spent online and 3 reward points on every INR 150 spent offline spent below INR 20,000 a month.
- 10 reward points on every INR 150 spent above INR 20,000 a month and the same will be applicable on the birthday of the user.
- 1 reward point = INR .25
- reward points are without any upper limit and one can accumulate as many.
- 3 reward points on the payment of rent will be an independent category.
- There is a convenience fee of INR 99 + GST on redemption of reward points.
Interest Free Cash Withdrawals:
Cash withdrawals without interest on domestic and international ATMs for up to 48 days. There will be a cash advance fee of INR 250 per transaction.
Also Know : the Best Credit Cards For EMI
Forex Markup:
3.5% for all international transactions
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