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Credit Cards · India

IDFC FIRST Millennia Credit Card

Updated 3 Jul 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 pts per ₹150 (≈1.5% value) on incremental monthly above 20k spends in the form of reward points (points).

Cardholders get 1 quarterly domestic airport lounge access, plus ₹500 gift voucher from a partner brand as a welcome benefit.

IDFC FIRST Bank logo
IDFC FIRST Millennia Credit Card
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForOnline shopping
  • Reward TypeReward Points (points)
Rewards Rate
  • 10 pts per ₹150 on incremental monthly above 20k
  • 1 pts per ₹150 on utility insurance railway fastag
  • Base 0.44% on other spends
Welcome Benefits
  • ₹500 gift voucher from a partner brand
  • Up to ₹1,000 cashback on first EMI
Data verified 3 Jul 2026 — see our methodology
IDFC FIRST Bank logoIDFC FIRSTVisa logoplatinumentryLifetime free
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Rewards and Benefits

Rewards Rate
10 pts per ₹150 on incremental monthly above 20k
1 pts per ₹150 on utility insurance railway fastag
Base 0.44% on other spends.
Reward Redemption
IDFC FIRST Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
₹500 gift voucher from a partner brand
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
DISCOUNT on partner cinemas
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • FIRST Rewards Gallery travel bonus — 20% bonus reward points on hotel bookings and 10% on flight bookings made via the FIRST Rewards Gallery on the IDFC FIRST Bank app (over & above base RP).
  • Comprehensive insurance — Complimentary insurance cover bundle (personal accident, purchase protection, etc.).

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Utilities & bills₹7/mo

    You spend ₹5,000 · earns 0.1% = ₹7 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹66/mo
  • Groceries₹8,000 · 0.4% = ₹35/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹35/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹44/mo
Est.net rewards for this spend, realistic
₹2,253/yr

₹2,253 rewards − ₹0 annual fee. Estimate for the spend you entered.

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).
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹500 welcome benefit

  • ₹500 gift voucher from a partner brand
    On card activation / first spend
    Window: 30 days from issuance.
  • Up to ₹1,000 cashback on first EMI
    First EMI conversion

Accelerated rewards

  • 10 pts per ₹150 on incremental monthly above 20k
    10X (10 RP per ₹150) on incremental monthly spends above ₹20,000; 3X (base) up to ₹20,000.
  • 1 pts per ₹150 on utility insurance railway fastag
    Reduced 1X (1 RP per ₹150) on utility bill payments, insurance premiums, railway spends and FASTag recharges.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

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.

Other benefits

  • FIRST Rewards Gallery travel bonus. 20% bonus reward points on hotel bookings and 10% on flight bookings made via the FIRST Rewards Gallery on the IDFC FIRST Bank app (over & above base RP).
  • Comprehensive insurance. Complimentary insurance cover bundle (personal accident, purchase protection, etc.).

Sources

Last verified 3 Jul 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.
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