About IDFC FIRST Bank Millennia Credit Card
IDFC FIRST Millennia Credit Card is a lifetime-free rewards credit card that lets you earn up to 10X reward points on your spends. These rewards come with no expiry and no capping, which adds long-term value. This IDFC FIRST credit card also offers lifestyle benefits like movie discounts, railway lounge access, roadside assistance, and brand offers.
Despite being a no-fee card, it provides welcome benefits worth up to ₹1,500, which is quite impressive. However, to get the best value, you need to spend above ₹20,000 per month to unlock higher rewards. Also, the redemption value of reward points is relatively low, so overall returns depend on how well you use the card.
Also Read: Best Credit Cards in India 2026
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
Suggested Read: Best Rewards Credit Cards for Everyday Spending
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
Also Check: Best Travel Credit Cards
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
Also Read: Best Fuel Credit Cards
Fees and Charges
| Type of Fee | Amount |
|---|
| Joining fee | NIL |
| Reward redemption fee | NIL |
| Over limit fee | NIL |
| Late payment fee | 15% of your due amount (this will be subject to a minimum Rs.100 and a maximum of Rs.1,000) |
| Foreign exchange markup | 3.5% |
| International and domestic cash advance fee | Rs.250 |
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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
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Bank Millennia Credit Card Highlights
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
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.
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
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Frequently Asked Questions
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.
