IDFC FIRST Bank Millennia Credit Card
IDFC FIRST Bank IDFC FIRST Bank

IDFC FIRST Bank Millennia Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/entertainment.svg Entertainment
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Entertainment Entertainment
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Welcome benefits:- Enjoy Rs. 500 welcome vouchers on spending Rs. 15,000 and 5% cashback on your first EMI within 90 days of card issuance.

Check your eligibility For This Card

this will not affect your credit score

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms & Conditions & Privacy Policy

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC FIRST Bank Millennia Credit Card

IDFC FIRST Millennia Credit Card is a lifetime-free rewards card that offers up to 10X reward points on spends, with no expiry or cap on rewards. It comes with added lifestyle perks like movie discounts, railway lounge access, and roadside assistance. Despite no annual fee, it offers joining benefits worth up to Rs. 1,500. To truly benefit, you should spend over Rs. 20,000 monthly to unlock 10X rewards. However, do note the limited redemption value of the rewards.

The IDFC FIRST Millenia Credit Card offers lifetime free membership with no joining fee and rewards that never expire. It provides enhanced rewards on every spend, including 10X points on birthday transactions, along with dining and movie discounts. With interest rates ranging from just 0.75% to 2.99% per month, it’s a great value card for everyday use.

IDFC FIRST Bank allows you to earn rewards on UPI transactions by activating the digital UPI version of your existing IDFC FIRST Millennia RuPay Credit Card. You can apply online via the bank’s website or app by paying a nominal annual fee of ₹199. With this digital RuPay card, you earn 3X reward points on UPI spends above ₹2,000, and 1 reward point per ₹150 spent on transactions below ₹2,000.

IDFC FIRST Bank Millennia Credit Card Rewards Program

Rewards Program

  • Earn 10X reward points on birthday spends and on monthly spends above Rs. 20,000
  • Get 3X points on online and offline transactions up to Rs. 20,000 per month
  • Earn 1X point per Rs. 150 spent on utility and insurance payments
  • No reward points on fuel, cash withdrawals, and EMI transactions
  • Reward points never expire; redeem at Rs. 0.25 per point with a Rs. 99 + GST redemption fee

Other Features and Benefits

Joining Benefits

  • ₹500 Gift Voucher: Get a voucher on spending ₹5,000 within 30 days of card issuance
  • 5% Cashback: Earn 5% cashback (up to ₹1,000) on your first EMI transaction within 30 days of card issuance

Entertainment Benefits

  • Movie Offer: Enjoy 25% off (up to ₹100) on movie tickets once a month via the District by Zomato app

Travel Benefits

  • Railway Lounge Access: Avail 4 complimentary lounge visits per calendar quarter by spending ₹20,000 in the previous month
  • Interest-Free Cash Advances: Withdraw cash from ATMs with 0% interest for up to 45 days

Fuel Benefits

  • Fuel Surcharge Waiver: Get 1% waiver (up to ₹200/month) on fuel spends between ₹200 and ₹5,000

Roadside Assistance

  • 24/7 Support: Enjoy up to 4 complimentary roadside assistance services worth ₹1,399 from Global Assure

Insurance Coverage

  • Protection Plan: Includes ₹2 lakh personal accident cover and ₹25,000 lost card liability cover

Fees and Charges

Type of FeeAmount
Joining feeNIL
Reward redemption feeNIL
Over limit feeNIL
Late payment fee15% of your due amount (this will be subject to a minimum Rs.100 and a maximum of Rs.1,000)
Foreign exchange markup3.5%
International and domestic cash advance feeRs.250

Things to Know Before you apply

Get this card if:

  • You want a lifetime-free credit card that offers attractive joining benefits.
  • You're looking for a rewards card where points can be redeemed easily for both online and in-store purchases.
  • You can consistently spend over ₹20,000 per month to maximize the reward rate and enjoy added perks like lounge access.
  • You prefer flexibility over brand or category-specific benefits and want a universal value-back card.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For IDFC FIRST Bank Millennia Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

IDFC FIRST Bank Millennia Credit Card Hilights

What do we like about this card?

  • Earn 10X reward points on all spends made on your birthday
  • Get 25% off on movie tickets (up to ₹100) once every month
  • Avail up to 20% discount at 1,500+ partner restaurants across India

Pros

  • Lifetime-free credit card with no annual or joining fee
  • Attractive joining benefits worth up to ₹1,500
  • Enjoy 25% off on movie tickets every month (save up to ₹1,200 annually)
  • Up to 16 complimentary railway lounge visits per year (on meeting spend criteria)
  • Interest-free ATM cash withdrawals for up to 45 days

Cons

  • 10X reward points available only on meeting monthly spend condition
  • Overall reward rate and redemption value are relatively low

Idfc Bank Credit Card Contact Details

  • Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
    Helpline (24x7): 1800 10 888 (Toll-Free for all customers)
  • Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
     

Frequently Asked Questions

Everything you need to know about this credit card

No, this is a lifetime free card with zero joining or annual fees.

Yes, it’s a good choice for beginners who want a free credit card with decent benefits. It offers movie discounts, 4 complimentary railway lounge visits per quarter, and incremental rewards. However, to make the most of the card, you should spend around ₹20,000 every month.

No, it does not offer airport lounge access. Instead, you get 4 complimentary railway lounge visits every quarter.

No, your reward points never expire, so you can redeem them anytime.

You need a minimum annual income of ₹3 lakh to apply. Final approval also depends on IDFC Bank’s internal policies.

You must have an annual income of ₹3 lakh or more, along with required documents, as per the bank’s rules.

You can earn up to 10X reward points. To maximize benefits, spend ₹20,000 or more every month for a higher reward rate.

Currently, only existing holders of FIRST Classic, FIRST Millennia, FIRST Wealth, FIRST Select, FIRST Private, FIRST WOW!, and FIRST SWYP cards can get the FIRST Digital RuPay Card.

You can reach IDFC FIRST Bank customer care 24x7 by calling 1800 10 888.

Explore other Card Categories

Explore Cards from All Banks

Card Icon
You're Pre-Approved - Unlock Exclusive Credit Card Offers!
Choose from 80+ Credit Cards
Compare Top Deals Instantly
Apply Now