Decoding the IDFC Millennia Credit Card: Application Status and Exclusive Features Explained

IDFC has come up with a new credit card for the first time, i.e. IDFC Millennia Credit Card, apart from the loans and advances. It has come with a lot of benefits and rewards with no annual fees. Let us know the reasons that one should consider applying for this card:

• If you want a lifetime-free credit card.
• In case the spending is above INR 20,000 or more on a per-month basis.
• When you do not have a brand or merchant preferences in case of online purchases.

Features and Benefits

Mentioned below are the benefits and features of the IDFC Millennia Credit Card:

• Get a Welcome Gift Voucher of INR 500 within 90 days from the date of issuance of the card when INR 15000 are spent.
• Enjoy a Cashback of 5% within 90 days from the date of card issuance after the first EMI Transaction.
• Earn 10X Reward Points on all transactions above INR 20000.
• Earn 3X Reward Points on all offline spends.
• Enjoy 6X Reward Points on all online spending.
• Get 10X reward points in your birthday month.
• No maximum limit on reward points.
• Redeem your reward points anytime, as they do not expire.
• Earn 1 reward point per INR 200 on every transaction.
• Get 4 complimentary railway lounge visits every quarter.
• The value of 1 reward point is 0.25 paisa; that is, 4 reward points equals 1 rupee.
• Get a discount of 25% on booking movie tickets every month, a maximum of up to INR 100.
• Get a Discount of 15% at more than 3000 health and wellness outlets.
• Get a Discount of up to 20% at more than 1500 restaurants across India.
• Get a Personal Accident Cover of up to INR 2 lakhs.
• Get Complimentary Roadside Assistance worth INR 1,399
• Get the flexibility to convert transactions into easy EMIs above INR 2500.
• Transfer balances from other bank credit cards with the help of the balance transfer feature.
• Get a 1% fuel surcharge waiver up to INR 200 every month at the fuel stations.
• Get a Lost Card Liability Cover on a complimentary basis worth INR 25000.
• Get interest-free cash withdrawals from ATMs for up to 48 days.
• No Add-on Charges.

Steps to Redeem Rewards

Mentioned below are the steps to redeem the reward points:

Step 1: Launch the official website of SBI Card. 

Step 2: Click on “Rewards”.

Step 3: Many products will then be displayed on the screen.

Step 4: Select the product against which points are to be redeemed.

Step 5: In case points are to be used to buy it, choose the option ‘Points only, and if partial points are to be used to buy it and the remaining amount is to be paid, choose the option ‘Points + Pay.’

Step 6: Login using the registered mobile number or card details, and then redeem the points.

Eligibility Criteria

Mentioned below are the eligibility parameters to apply for the card: 

• The minimum age of an applicant shall be 21 years.
• An applicant is required to have a permanent or current residential address in India.
• An applicant should have a minimum income of INR 25000, either salaried or self-employed. 
• There should be no default in the payments of credit card bills.
• An applicant should have a good credit score (Preferably above 700).

Documents Required

Mentioned below is the list of documents required to apply for IDFC Millennia Credit Card:

Fees and Charges

Below mentioned are the fees and associated charges to apply for the card:

Different Ways to Track IDFC Millennia Credit Card Application Status

Mentioned below are different ways to track IDFC Credit Card Application Status:

1. Online Mode
2. Using Application Number

• Open the credit card application tracking page on IDFC’s official website.
• Provide the application number.
• Click “Get OTP”.
• An OTP will then be received on the registered mobile number.
• Enter the same and click “Proceed”.
• Then, the application status of your card will be displayed on the screen.

ii) Using Date of Birth and Mobile Number

• Open the credit card application tracking page on IDFC’s official website.
• Provide the registered mobile number along with the date of birth as mentioned on the credit card application.
• Click “Get OTP”.
• An OTP will then be received on your registered mobile number.
• Enter the same and click “Proceed”.
• The application status of your card will then be displayed on the screen.

B) Offline Mode

1. By Visiting Nearest IDFC Branch

• Visit any nearest branch of IDFC Bank.
• Provide the details as asked by the bank representative, like PAN number, date of birth, application number, registered mobile number, etc. 
• The bank representative will then inform you about the status of the application.
• By Calling Customer Care

• Contact the customer care number at 1800 419 4332. 
• Provide details like PAN number, date of birth, registered mobile number, and application number. 
• The bank representative will then inform you about the status of the application.

Here are the different statuses that can be seen as a result of the search:

• Application in progress: It reflects that the application is currently in process.
• Application approved: It reflects that the application has been reviewed and approved by the bank.
• Card dispatched: It shows that once the application gets approved, the bank will dispatch the credit card, and an SMS will be received containing the expected delivery date.
• Application on hold: It means the bank has put the application on hold temporarily for verification purposes. That is, it may ask for some additional documents to complete the verification process.
• Application disapproved: It happens when the application does not meet the eligibility criteria set by the bank and has been disapproved.