The IDFC FIRST Millennia Credit Card is a lifetime free credit card that offers a range of benefits and features for millennials. This credit card is designed to suit the lifestyle and spending habits of the young and savvy consumers who shop online, travel frequently, and enjoy dining out. Here are some of the key features and benefits of this credit card:
FEATURES AND BENEFITS OF IDFC FIRST MILLENNIA CREDIT CARD
- No annual fee: You don’t have to pay any joining or annual fee for this credit card. It is a lifetime free credit card that does not have any hidden charges or maintenance costs.
- Low interest rate: The IDFC FIRST Millennia Credit Card has one of the lowest interest rates in the market, ranging from 0.75% to 3.5% per month (9% to 42% per annum). This means you can save money on interest charges if you carry a balance on your credit card.
- Interest-free cash withdrawals: You can withdraw cash from any domestic or international ATM without paying any interest for up to 48 days. You only have to pay a cash advance fee of ₹199 per transaction, which is much lower than other credit cards.
- Unlimited reward points: You can earn reward points on every purchase you make with this credit card. The reward points never expire and can be redeemed for a variety of products, services, vouchers, and cashback. You can also pay instantly with your reward points at select merchant outlets.
- 10X rewards on online spends: You can earn 10X reward points on online spends above ₹20,000 per month. This means you can get more value for your online shopping, travel bookings, food delivery, entertainment, and more.
- Low forex markup fee: You can use this credit card for international transactions and pay only a 3.5% forex markup fee, which is lower than most other credit cards. This can help you save money on currency conversion charges when you travel abroad or shop from foreign websites.
- Low over-limit charges: If you exceed your credit limit, you only have to pay a 2.5% over-limit charge, subject to a minimum of ₹500. This is much lower than other credit cards that charge up to 5% over-limit fee.
- Late payment fee: If you miss your payment due date, you have to pay a late payment fee of 15% of the total amount due, subject to a minimum of ₹100 and a maximum of ₹1250. This is also lower than other credit cards that charge up to 30% late payment fee.
- Balance conversion option: You can convert your outstanding balance into easy EMIs at attractive interest rates and flexible tenures. You can also convert any transaction above ₹2500 into EMIs with just a few clicks on the IDFC FIRST Bank mobile app or website.
- 300+ merchant offers: You can enjoy discounts and deals from over 300 merchant partners across categories like shopping, dining, travel, entertainment, health, wellness, and more. You can also get access to exclusive offers and events from IDFC FIRST Bank.
HOW TO APPLY FOR THE IDFC FIRST MILLENNIA CREDIT CARD?
To apply online for the IDFC FIRST Millennia Credit Card, you need to follow these steps:
- Visit the [IDFC FIRST Bank website] or download the [IDFC FIRST Bank mobile app] on your smartphone.
- Click on the credit cards section and select the IDFC FIRST Millennia Credit Card option.
- Fill out a simple application form with your personal and professional details, such as your name, date of birth, address, income, occupation, etc.
- Upload the required documents, such as your Aadhaar card or PAN card as identity proof, passport, driving license, voter ID card, or utility bill as address proof, and salary slip, bank statement, or income tax return as income proof.
- Submit your application and get an instant approval decision within minutes.
- Once your application is approved, you will receive your credit card within 7 to 10 working days. You can also track your credit card status online or on the mobile app.
To apply offline for the IDFC FIRST Millennia Credit Card, you need to follow these steps:
- Visit any IDFC FIRST Bank branch near you and ask for a credit card application form.
- Fill out the form with your personal and professional details and attach the required documents.
- Submit the form and the documents to the bank executive and wait for the approval decision.
- Once your application is approved, you will receive your credit card within 7 to 10 working days. You can also track your credit card status by calling the customer care hotline at 1800 10 888.
I hope this answers your question. If you have any other queries, please feel free to ask me. 😊
CONCLUSION
The IDFC FIRST Millennia Credit Card is a great option for millennials who want to enjoy a lifetime free credit card with low interest rates, unlimited rewards, and attractive offers. This credit card can help you save money, earn rewards, and enjoy convenience and security. Whether you shop online, travel abroad, or dine out, this credit card can suit your lifestyle and spending habits. You can apply for this credit card online or offline, and get an instant approval decision. You can also manage your credit card account easily through the IDFC FIRST Bank mobile app or website. If you are looking for a credit card that offers you more value, more benefits, and more fun, then the IDFC FIRST Millennia Credit Card is the one for you. 😊
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FAQ
Q: How can I apply for the IDFC FIRST Millennia Credit Card?
A: You can apply for the IDFC FIRST Millennia Credit Card online by visiting the IDFC FIRST Bank website or by downloading the [IDFC FIRST Bank mobile app]. You can also visit any IDFC FIRST Bank branch or call the customer care hotline at 1800 10 888.
Q: What are the eligibility criteria for the IDFC FIRST Millennia Credit Card?
A: To be eligible for the IDFC FIRST Millennia Credit Card, you need to meet the following criteria:
- You must be an Indian citizen or resident
- You must be at least 18 years old
- You must have a good credit score and history
- You must have a stable income and employment
- You must have a valid identity proof, address proof, and income proof
Q: What are the documents required for the IDFC FIRST Millennia Credit Card?
A: The documents required for the IDFC FIRST Millennia Credit Card are:
- Aadhaar card or PAN card as identity proof
- Passport, driving license, voter ID card, or utility bill as address proof
- Salary slip, bank statement, or income tax return as income proof
Q: How long does it take to get the IDFC FIRST Millennia Credit Card?
A: It usually takes about 7 to 10 working days to get the IDFC FIRST Millennia Credit Card after your application is approved. You will receive an SMS and email notification once your credit card is dispatched. You can also track your credit card status online or on the mobile app.
Q: How can I activate my IDFC FIRST Millennia Credit Card?
A: You can activate your IDFC FIRST Millennia Credit Card by following these steps:
- Log in to the IDFC FIRST Bank mobile app or website
- Go to the credit card section and select your credit card
- Click on the activate card option and enter the OTP sent to your registered mobile number
- Set your credit card PIN and complete the activation process
Q: How can I pay my IDFC FIRST Millennia Credit Card bill?
A: You can pay your IDFC FIRST Millennia Credit Card bill by using any of these methods:
- Online payment: You can pay your credit card bill online through net banking, debit card, UPI, or NEFT/IMPS from any bank account.
- AutoPay: You can set up an automatic payment instruction from your IDFC FIRST Bank account or any other bank account to pay your credit card bill on the due date.
- Cash or cheque: You can deposit cash or cheque at any IDFC FIRST Bank branch or ATM to pay your credit card bill.
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