IDFC FIRST Millennia Credit Card
Updated on August 11, 2026
🎖️Reward Rate
10X Reward Points on spend above ₹20,000/month
Overview
The IDFC FIRST Millennia Credit Card by IDFC FIRST Bank is a carefully crafted credit card designed to offer significant value in cashback and travel and dining. It comes packed with premium privileges including complimentary airport lounge access, fuel surcharge waivers, lucrative milestone bonuses. Whether you are looking for solid reward rates or exclusive perks, this card stands out as a robust choice in its segment.
Rewards
Reward Type
Reward Points
Reward Rate
10X Reward Points on spend above ₹20,000/month
Welcome Benefit
Welcome Voucher worth ₹500 on spending ₹15,000 within 90 days
Milestone Benefit
10X Reward Points on all spends above ₹20,000 per month
Redemption
- • Cashback: 1 Reward Point = ₹0.25
- • Air Miles: 1 IDFC Point = 1 AirMile (Club Vistara / InterMiles)
- • Rewards Catalogue: 1 IDFC Reward Point = ₹0.25 on IDFC Rewards Portal
Benefits
- • Lounge: Complimentary Domestic Lounge Access & Railway Lounge Access per quarter
- • Fuel Waiver: 1% fuel surcharge waiver up to ₹300 per month
- • Dining: Up to 20% discount across 1,500+ partner restaurants in India
- • Insurance: Personal Accident Cover up to ₹10 Lakhs
- Comprehensive Roadside Assistance
Things to Know Before you apply
IDFC FIRST Millennia Credit Card Eligibility Criteria
- Age: 18–65 years
- INR 25,000 per month (Salaried)
- Salaried & Self-Employed
- Resident Indian
IDFC FIRST Millennia Credit Card Customer Care
- Toll Free: 1800 11 2211
- Landline: +91 22 6600 0000
- Concierge Service: concierge@paisasimple.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 3.5% or Rs. 500 whichever is higher |
Fee waiver: Lifetime Free Card (No annual fees)
PaisaSimple Review
Overall Rating
What do we like about this card?
We have awarded the IDFC FIRST Millennia Credit Card an overall rating of 5.0/5 primarily due to its travel privileges, cashback rewards, milestone bonuses. The fact that it is offered with no annual fee makes it a highly accessible and cost-effective choice. However, potential applicants should note that it standard foreign currency markup fee. Overall, it is a well-rounded credit card suitable for individuals looking to maximize value on their everyday spends.
Pros
- • Offers welcome benefits upon joining
- • Complimentary airport lounge access
- • Attractive milestone spend bonuses
- • Fuel surcharge waiver included
Cons
- • Standard foreign currency markup fee
- • Exclusions apply on certain spend categories