IDFC FIRST Millennia Credit Card
Updated 15 Apr 2026Source-linked
The IDFC FIRST Millennia Credit Card is a entry credit card from IDFC FIRST Bank, with a joining fee of ₹0 + GST.
It earns up to 10% back on online spend above 20k spends in the form of reward points (points).
Cardholders get 1 quarterly domestic airport lounge access, plus welcome voucher worth ₹500 as a welcome benefit.
IDFC FIRST Millennia Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForOnline shopping
- Reward TypeReward Points (points)
Rewards Rate
- 6% on online spend under 20k
- 10% on online spend above 20k
- 10% on incremental above 20k
- Base 0.50% on other spends
Welcome Benefits
- Welcome voucher worth ₹500
IDFC FIRSTplatinumentryLifetime freeRewards and Benefits
Rewards Rate
6% on online spend under 20k
10% on online spend above 20k
10% on incremental above 20k
Base 0.50% on other spends.
Reward Redemption
IDFC FIRST Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
Welcome voucher worth ₹500
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly on making spends of ₹20,000 in the previous quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
BOGO on Paytm Movies
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by IDFC FIRST Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (1/quarterly).
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Complimentary domestic airport lounge access (1/quarterly).
- Accelerated earn rate of 10% on online spend above 20k.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹500 welcome benefit
- Welcome voucher worth ₹500Spend ₹15,000 within 30 daysWindow: 30 days from issuance.
Accelerated rewards
- 6% on online spend under 20k
- 10% on online spend above 20k
- 10% on incremental above 20k
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
- education
Airport lounge access
Domestic
1 visit(s) / quarterly. Via visa, dreamfolks.
Unlocks after ₹20,000 / quarterly spend.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Sources
- : www.idfcfirstbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.