Lifetime Free IDFC Millenia Credit Card Benefits

The IDFC First Millenia Credit Card is a lifestyle credit card that offers many reward points as its main attraction. For instance, you get 10X reward points on incremental purchases done above ₹20,000 per month and on all purchases done on your birthday. Along with this reward points booster, you get many others with the IDFC Millenia Lifetime Free Credit Card, which is why it is one of the best lifetime-free credit cards out there. Let’s take a look at all IDFC Millenia First Credit Card benefits:

• 10X reward points on incremental purchases above ₹20,000 per month and on all spends on your birthday.
• 6X reward points on online spends of up to ₹20,000 per month.
• 3X reward points on offline spends of up to ₹20,000 per month.
• Unlimited reward points that do not expire.
• Use reward points to pay online and offline.
• Welcome voucher worth ₹500 if you spend ₹15,000 or more within the first 90 days of getting the IDFC Millenia Credit Card.
• 5% cashback of up to ₹1,000 on the first EMI done within a month of getting the card.
• Get a 25% discount of up to ₹100 on movie tickets booked on the Paytm Mobile App once per month.
• 4 complimentary railway lounge visits every quarter.
• ₹1,399 worth of complimentary roadside assistance.
• Get a fuel surcharge waiver of 1% at all fuel stations in India, with a max cap of ₹200/month. (On transaction values between ₹200 to ₹5,000)

IDFC First Millenia Credit Card Charges

Given below is a breakdown of all the IDFC Millenia Credit Card Charges:

• No Annual or Joining Fee, a completely Lifetime Free Credit Card.
• Interest Rate: 0.75% to 3.5% per month / 9% to 42% per annum
• Interest-Free Cash Withdrawals at domestic and international ATMs for up to 48 days.
• Cash Advance Fee: ₹199 per transaction
• Overlimit Charges: 2.5% of the over-limit amount with a minimum charge of ₹500.
• Late Payment Fee: 15% of the total due amount, with the minimum charge being ₹100 and the maximum charge being ₹1,250.
• Forex Markup: 3.5%