IDFC First Millennia
Updated on July 28, 2026 · Author: Team PaisaSimple
🎖️Reward Rate
10X on online spends above ₹20K/month
✈️Travel
Great benefits for Travel
⛽Fuel
Great benefits for Fuel
Overview
IDFC First Millennia turns your everyday shopping into free airport lounge meals, flight discounts, and luxury hotel vouchers.
Rewards
Reward Type
Air Miles
Reward Rate
10X on online spends above ₹20K/month
Welcome Benefit
Welcome gift vouchers worth up to ₹1,000 on card activation
Milestone Benefit
Bonus reward points on annual spend milestones
Redemption
Redeem points for air miles, gift vouchers, or statement credit
Benefits
Travel
Fuel
Online Shopping
Lifetime Free
Rewards
Things to Know Before you apply
IDFC First Millennia Eligibility Criteria
- Age: 21–65 years
- Minimum net monthly income of ₹25,000 (salaried) or ₹6 Lakh ITR (self-employed)
- Salaried / Self-Employed
IDFC First Millennia Customer Care
- Toll Free: 1800 266 4332
- Landline: 022-6160 6161
- Concierge Service: 1800 258 4444
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
Fee waiver: Lifetime Free (₹0 Joining Fee, ₹0 Annual Fee)
PaisaSimple Review
Overall Rating
What do we like about this card?
IDFC First Millennia turns your everyday shopping into free airport lounge meals, flight discounts, and luxury hotel vouchers.
Pros
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
Cons
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
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- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • 10X on online spends above ₹20K/month
- • 2 PAYBACK points per ₹100 spent
- • 4 reward points per ₹150 spent
- • 10X rewards on Zomato, Flipkart & Nykaa
- • 4 reward points per ₹150 spent
- • Great benefits for Travel
- • Great benefits for Fuel
- • Great benefits for Online Shopping
- • Great benefits for Lifetime Free
- • Great benefits for Rewards
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.