IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
0.12% – 1.5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.12% – 1.5%
Earn rate
0.5
Points / ₹100
₹0.25
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026