IDFC FIRST Millennia Credit Card
The IDFC FIRST Millennia Credit Card is a lifetime-free digital-first card designed for young urban professionals.
Online Shopping Fit Score
95/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.75 – 2.5
0.75 pts/₹100 · ₹0.25/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
25/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
IDFC FIRST Millennia Credit Card Benefits
IDFC FIRST Millennia Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.75% – 2.5%
Earn rate
0.75
Points / ₹100
₹0.25
Per point
IDFC FIRST Millennia Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
IDFC FIRST Millennia Credit Card Lounge Access
Airport perks included with this card
4 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- fuel
- EMI transactions
- cash withdrawals
- education
- wallet load
- government payments
- rent and property management
Card Features
🎉 Zero Annual Fee — 100% Net Profit
IDFC FIRST Millennia Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IDFC FIRST Millennia Credit Card Eligibility
Employment type
Pros & Cons
- Completely lifetime free with no spend conditions
- Reward points never expire
- Strong milestone rewards for higher monthly spenders
- Good railway lounge access benefits for a free card
- Includes roadside assistance and movie offers
- Decent beginner-friendly rewards card
- Good digital onboarding and app experience
- Better benefits than many entry-level lifetime free cards
- Base reward rate is relatively average for low spenders
- 10X rewards activate only after ₹20,000 monthly spends
- No airport lounge access benefits
- Reward redemption value is relatively low (1 RP ≈ ₹0.25)
- Forex markup is high for international spending
- Limited premium travel and lifestyle perks
- Movie and merchant offers depend on partner availability
- Reward structure can feel slightly complicated initially
Who is this card for?
Young working professionals and millennials who shop heavily online and want a lifetime-free card with accelerated rewards on daily digital platforms — Swiggy, Zomato, Amazon, Uber, etc.
Quick Links
Data last updated 13 Aug 2026
Calculate your exact earnings with IDFC FIRST Millennia Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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