IDFC FIRST Millennia Credit Card
IDFC FIRST Bank · Visa + RuPay · Entry card
A no-fee mainstream IDFC FIRST card suited to users building their first rewards setup.
First-card users wanting lifetime-free pricing, UPI and simple milestone rewards.
Terms checked 23 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0.4%
- Forex markup
- 0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 1.3% |
| Travel & hotels | 1.3% |
| International spending | 1.3% |
| Online shopping | 0.4% |
| Groceries & essentials | 0.4% |
| Beauty & wellness | 0.4% |
| Entertainment & movies | 0.4% |
| Education & family | 0.4% |
| Healthcare & pharmacy | 0.4% |
| Subscriptions & streaming | 0.4% |
| Offline store shopping | 0.4% |
| Gold & jewellery | 0.4% |
| House rent | 0.4% |
| Other miscellaneous | 0.4% |
| Bills & utilities | 0.1% |
| Insurance premiums | 0.1% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Approx. ₹25,000/month salaried · ₹25,000/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Movies and entertainment
District · 25% discount · up to ₹100 · 1 use/month
Requires ₹1 per Calendar month for the following calendar month.
Availability: Any successful card transaction in the previous calendar month unlocks the offer..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 3 items
10X lifestyle and international rewards
Usage-based valueTen points per ₹200 on eligible dining, travel and international purchases; birthday spend also earns 10X but requires a transaction-date context the engine does not collect.
1X regulated-category rewards
Usage-based valueOne point per ₹200 on eligible utilities, insurance, FASTag and railway transactions.
Other eligible rewards
Usage-based valueThree points per ₹200 on other eligible purchases.
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Welcome benefits · 2 items
₹500 welcome voucher
Recorded value ₹500Fixed-value voucher after the introductory spend requirement.
Conditions: Spend ₹5,000 on eligible purchases within 30 days of card generation
Up to ₹1,000 first-EMI cashback
Recorded value ₹1,0005% cashback on the first eligible EMI conversion.
Conditions: Complete the first eligible EMI conversion within 30 days · Cashback is capped at ₹1,000
Airport lounge access · 1 item
Four railway-lounge visits per quarter after ₹20,000 current-month spend for access in the following month
Shown without a cash value
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹1,20025% discount up to ₹100, 1 time per month. Any successful card transaction in the previous calendar month unlocks the offer.
Conditions: Spend ₹1 per calendar month
Dining · 1 item
10X points on eligible dining, travel, international and birthday spend
Shown without a cash value
Insurance and protection · 3 items
Complimentary travel insurance under the issuer policy
Shown without a cash valueLost-card liability protection under issuer terms
Shown without a cash value3X points on other eligible purchases and 1X on utilities, insurance, FASTag and rail
Shown without a cash value
Foreign-currency charges · 2 items
Zero forex markup
Usage-based value0% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Lifetime-free pricing and zero forex markup
Shown without a cash value
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹25,000. Monthly threshold derives from the issuer-published ₹3 lakh annual income requirement.
Other benefits · 3 items
Roadside assistance with issuer-stated value of ₹1,399
Shown without a cash valueLinked FIRST Digital RuPay card option for eligible merchant UPI payments
Shown without a cash value1% fuel-surcharge waiver on eligible fuel transactions
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 10X points on eligible dining, travel, international and birthday spend
- ✓ 3X points on other eligible purchases and 1X on utilities, insurance, FASTag and rail
- ✓ Lifetime-free pricing and zero forex markup
- ✓ Four spend-gated railway-lounge visits per quarter plus a monthly movie discount
What to watch
The four lounge visits are railway lounges, not airport lounges. Reward earning stops above the assigned credit limit in a billing cycle, and ₹99 plus tax is charged per point redemption.
Recorded exclusions
Fuel Commute · Cash withdrawal · Emi · Fees charges · Transactions beyond billing cycle credit limit
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value improved
Zero forex markup introduced
IDFC FIRST Bank extended zero forex markup to current credit cards.
- Before
- The prior foreign-currency markup applied.
- After
- Eligible international purchases carry 0% issuer forex markup.
Checked 23 Sept 2026IDFC FIRST zero-forex announcement ↗ - Mixed impact
Reward structure and earning boundary revised
IDFC FIRST Bank moved Millennia to the current 10X, 3X and 1X structure and capped eligible billing-cycle earning at the assigned credit limit.
- Before
- The previous threshold-based reward programme applied.
- After
- Dining, travel, international and birthday spend earn 10X; other eligible spend earns 3X; regulated categories earn 1X.
Checked 23 Sept 2026IDFC FIRST Millennia current programme ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 17 Sept 2026