IDFC FIRST Millennia Credit Card on PhonePe

Yes, but only its standard rate: the IDFC FIRST Millennia Credit Card gives 0.12% back on PhonePe, the same as most other spends.

On PhonePe

0.12%

Other spends

0.38%

Rank for PhonePe

#128 of 149

Annual fee

Free

What to know before you pay on PhonePe

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

Cleartrip 1.25% Goibibo 1.25% IndiGo 1.25% MakeMyTrip 1.25% Swiggy 1.25% Zomato 1.25% Airtel 0.12% Google Pay 0.12%

Questions

Does the IDFC FIRST Millennia Credit Card give rewards on PhonePe?

Yes, but only its standard rate: the IDFC FIRST Millennia Credit Card gives 0.12% back on PhonePe, 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 PhonePe?

PhonePe SBI Card SELECT BLACK gives the most on PhonePe, 10% back. The IDFC FIRST Millennia Credit Card ranks #128 of 149 cards we compared.