IDFC FIRST Millennia Credit Card on IRCTC
Yes, but only its standard rate: the IDFC FIRST Millennia Credit Card gives 0.12% back on IRCTC, the same as most other spends.
On IRCTC
0.12%
Other spends
0.38%
Rank for IRCTC
#136 of 149
Annual fee
Free
What to know before you pay on IRCTC
How it works
Swiggy/Zomato get 10X only if coded as dining; travel sites and airlines count as travel.
Caps & rules
- 1 point per ₹200 = 1X, 1 point = ₹0.25.
- 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
- Lifetime free.
- Points valid 24 months.
Reward limits
- 10X points on dining, travel, international and birthday spends; 3X elsewhere: Points only on spends up to your credit limit per billing cycle
- 1X points on utilities, insurance, railways and FASTag: No limit
No rewards on
Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.
Checked 2026-10-03 · Bank terms
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Where else the IDFC FIRST Millennia Credit Card earns more
Questions
Does the IDFC FIRST Millennia Credit Card give rewards on IRCTC?
Yes, but only its standard rate: the IDFC FIRST Millennia Credit Card gives 0.12% back on IRCTC, the same as most other spends.
Is there a limit on IDFC FIRST Millennia Credit Card rewards?
1 point per ₹200 = 1X, 1 point = ₹0.25. 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%). Lifetime free. Points valid 24 months.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The IDFC FIRST Millennia Credit Card ranks #136 of 149 cards we compared.