IDFC FIRST Millennia Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
Overview
IDFC FIRST Millennia Credit Card by IDFC FIRST Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
Welcome Benefit
Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction; Qualification Criteria: Min ₹15,000 spend within 90 days of setup; Fulfillment Timeline: 30 days post criteria completion
Milestone Benefit
Spend ₹20,000 (Monthly): 10X Reward Points on all additional monthly spends; Annual Fee Waiver: Lifetime Free card with ₹0 joining fee and ₹0 annual fee forever
Redemption
- • Redeem for e-vouchers or direct merchant checkout at ₹0.25 per point
- • Instant statement cash credit with no redemption fees
Benefits
- Domestic Airport Lounge: 4 per quarter at railway lounges across India via IDFC Railway Lounge Access (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹200 per month)
- 25% Movie Discount on Paytm: 25% discount on movie tickets up to ₹100 on Paytm Movies app (once per calendar month). (Valid on Paytm Movies app) [Partners: Paytm Movies]
- Complimentary Roadside Assistance: Complimentary RSA worth ₹1,399 for breakdown support across India. (Towing, jumpstart, lock-out assistance) [Partners: Allianz Global Assistance]
Things to Know Before you apply
IDFC FIRST Millennia Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹3,00,000+ (Salaried / Self-Employed)
- Salaried & Self-Employed Individuals
- Resident Indian
IDFC FIRST Millennia Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Interest free ATM cash withdrawal up to 48 days (nominal ₹199 + GST transaction fee) |
Fee waiver: Lifetime Free card with ₹0 joining fee and ₹0 annual fee forever
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
IDFC FIRST Millennia Credit Card issued by IDFC FIRST Bank is one of India's leading credit cards for Entry Level spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction
- • Qualification Criteria: Min ₹15,000 spend within 90 days of setup
- • Fulfillment Timeline: 30 days post criteria completion
- • Not shown among the official offer tiles
- • Zero joining fee and lifetime free privileges on approval
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Base reward rate not disclosed on the official offers page
- • customisable via paid booster packs (5X/10X Reward Points, 5%/2% Cashback tiers)
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Accelerated Rewards: Standard retail points without cap
- • Excluded Categories: Fuel
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Lifetime free — no joining or annual fee
- • Fully customisable feature packs starting at ₹49/quarter
- • Card liability and credit shield cover up to ₹1.5 Lakh each
- • Flexible OTT subscription add-ons
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Base reward rate not clearly disclosed
- • Most valuable benefits require paying for add-on packs
- • Self-employed age eligibility (25–65) differs from salaried (21–60)
- • Several fee details (forex markup, cash advance) not itemized officially
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions