IDFC FIRST Millennia Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
10 Reward Points per ₹200 on dining and travel spends (~1.25%); 3 points per ₹200 on other spends
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
4 Railway/Qtr (₹20K Spend), No Airport Lounge
Recent changes
Our Expert Take
The IDFC FIRST Millennia Credit Card from IDFC FIRST Bank offers Gen-Z Online Shopping & 10X Rewards with an annual fee of Lifetime Free (₹0).
Reward limits
Checked 3 Oct 2026 · Bank terms
-
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.
Where this card earns most
Paying directly in the app or site · 0.38% on other spends
Pros & Cons
Key Advantages
- 10 Reward Points per ₹200 on dining and travel spends
- 4 railway lounge visits per quarter on ₹20,000 monthly spend
- Reward points expire 24 months after being credited (changed from lifetime validity, effective Jul 2026), redeemable at ₹0.25 per point
- Fee waiver threshold (Lifetime free credit card)
Limitations
- No airport lounge access, only railway lounges
- Base rate on other spends is a modest 3 points per ₹200
- Positioned below Select/Wealth in IDFC FIRST's lifetime-free tier
Key Perks & Spending Milestones
Accelerated reward earn rate on rewards purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Lifetime free credit card
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
Lifetime free credit card
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
Do IDFC FIRST Millennia's reward points still never expire?
What's the reward rate on IDFC FIRST Millennia?
Does IDFC FIRST Millennia offer airport lounge access?
Compare IDFC FIRST Millennia Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Millennia Credit Card This Card | Free | 10 Reward Points per ₹200 on dining and travel spends (~1.25%); 3... | 4 Railway/Qtr (₹20K Spend), No Airport Lounge | 4.4/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |