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Last updated: 01-06-2026
IDFC FIRST Millennia Credit Card
IDFC First Bank

IDFC FIRST Millennia Credit Card

"Best lifetime-free card for young earners โ€” 10X reward points on dining and travel with no annual fee ever"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
Young professionals and first-time credit card users; frequent diners and online shoppers; those who want a no-fee card with decent rewards and railway lounge access
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; never expire)
๐ŸŽ‰ Welcome Benefit
E-gift voucher worth โ‚น500 from Amazon, BigBasket, Uber, or Lifestyle on spending โ‚น5,000 or more within 30 days of card generation; 5% cashback (up to โ‚น1,000) on first EMI transaction within 90 days
๐Ÿ’ฐ Reward Rate
10X Reward Points (10 RPs per โ‚น200) on dining, travel, and international transactions from the first transaction; 10X on all spends on your birthday; 3X Reward Points (3 RPs per โ‚น200) on all other eligible online and offline spends up to โ‚น20,000/month; 3X on incremental spends above โ‚น20,000/month for categories not eligible for 10X; 1X on insurance, utilities, railways, and FASTag recharges; 20% bonus RPs on hotel bookings and 10% bonus RPs on flights via IDFC FIRST Rewards Gallery app
โœˆ๏ธ Lounge Access
4 complimentary railway lounge visits per quarter (16 per year) โ€” valid on spending โ‚น20,000 in the current calendar month to access in the following month. No airport lounge access.
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โœ… Pros
  • Truly lifetime free โ€” zero joining and annual fee forever
  • 10X rewards on dining and travel from day one
  • Reward points never expire โ€” accumulate freely
  • Lowest interest rate category in India (from 9% p.a.)
  • 16 complimentary railway lounge visits per year
  • Low income requirement (โ‚น3L annual) โ€” accessible to beginners
  • UPI rewards via Digital RuPay add-on card
โŒ Cons
  • No airport lounge access (only railway lounges)
  • High forex markup of 3.5%
  • Reward value is just โ‚น0.25 per point โ€” low absolute value
  • Redemption fee of โ‚น99 per transaction
  • 3X and 10X rewards structure changed effective June 18, 2026 โ€” verify current rates
  • Limited premium benefits compared to fee-based cards

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; never expire)
Welcome Benefits
E-gift voucher worth โ‚น500 from Amazon, BigBasket, Uber, or Lifestyle on spending โ‚น5,000 or more within 30 days of card generation; 5% cashback (up to โ‚น1,000) on first EMI transaction within 90 days
Reward Rate
10X Reward Points (10 RPs per โ‚น200) on dining, travel, and international transactions from the first transaction; 10X on all spends on your birthday; 3X Reward Points (3 RPs per โ‚น200) on all other eligible online and offline spends up to โ‚น20,000/month; 3X on incremental spends above โ‚น20,000/month for categories not eligible for 10X; 1X on insurance, utilities, railways, and FASTag recharges; 20% bonus RPs on hotel bookings and 10% bonus RPs on flights via IDFC FIRST Rewards Gallery app
Reward Redemption
Redeem via IDFC FIRST Bank Rewards portal (idfcfirstrewards.poshvine.com) or IDFC FIRST Bank mobile app for flights, hotels, vouchers, merchandise; 1 RP = โ‚น0.25. Reward Points never expire. Redemption fee: โ‚น99 + GST per transaction.
Fuel Surcharge Waiver
1% fuel surcharge waiver (up to โ‚น200 per month) on transactions between โ‚น200 and โ‚น5,000
Lounge Access
4 complimentary railway lounge visits per quarter (16 per year) โ€” valid on spending โ‚น20,000 in the current calendar month to access in the following month. No airport lounge access.
Spend Based Fee Waiver
Not applicable โ€” card is lifetime free
Milestone Benefits
No specific milestone benefits; rewards accumulate continuously with no expiry
Other Benefits
Up to 20% off at 1,500+ partner restaurants; 15% off at 3,000+ health and wellness outlets; 25% off on movie tickets via District by Zomato (once per month, up to โ‚น100); complimentary roadside assistance worth โ‚น1,399; UPI payments via IDFC FIRST Digital RuPay add-on card (earn rewards on UPI spends); interest-free cash withdrawals for up to 48 days (โ‚น199 one-time charge + GST)

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Personal accident cover โ‚น2,00,000; lost card liability cover โ‚น25,000 (valid on one transaction in last 30 days)
Add-on Cards
Add-on FIRST Digital RuPay Credit Card for UPI payments linked to primary card
Concierge Services
Details coming soon
Special Offers
Year-round merchant offers across dining, shopping, travel; 20% dining discounts at 1,500+ restaurants; wellness discounts at 3,000+ centres

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
0.75% to 3.5% per month (9% to 42% per annum) โ€” among the lowest in India; IDFC FIRST Bank introduced interest rates as low as 9% p.a. for eligible customers. Note: Revised terms effective June 18, 2026 โ€” check latest rates on IDFC FIRST Bank website.
ATM Cash Withdrawal / Cash Advance
โ‚น199 one-time cash withdrawal charge + GST (then interest-free for up to 48 days); no per-transaction ATM fee
Late Payment Charges
As per IDFC FIRST Bank prevailing slab; typically โ‚น100โ€“โ‚น1,300 based on outstanding amount
Over Limit Charges
As per IDFC FIRST Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Reward redemption fee: โ‚น99 + GST per transaction; cash advance: โ‚น199 flat + GST

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21โ€“65 years; salaried or self-employed; minimum net monthly income โ‚น25,000 (โ‚น3 lakh annual); Indian resident with valid address proof; good credit history
Credit Score Requirement
650+ CIBIL score (lower threshold than most cards โ€” good for first-time credit users)
Credit Limit
Based on income and IDFC FIRST Bank credit assessment; typically โ‚น50,000โ€“โ‚น5 lakh for first-time users

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500; instant EMI conversion on OTP page for online transactions
Balance Transfer Facility
Available from other bank credit cards; flexible tenure 3โ€“18 months
Balance Transfer Interest Rate
As per IDFC FIRST Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via IDFC FIRST Bank mobile app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on immediate card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on fraudulent transactions after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 500 9900 (24x7); missed call: 8422845514
Chat / Email Support
Chat via IDFC FIRST Bank mobile app; SMS 'REWARD' with last 4 digits to 5676791
Mobile App
IDFC FIRST Bank app: manage card, track reward points, redeem, UPI via Digital RuPay add-on card, EMI conversion
Online Banking
Full account management via IDFC FIRST Bank website and app

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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