IDFC FIRST Bank

IDFC FIRST Bank Millennia Credit Card

Airport Lounge Access

Entertainment

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access

Entertainment

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Airport Lounge Access

4 complimentary railway lounge visits per calendar quarter

Entertainment

Up to 25% off on movies every month

Reward Points

Up to 10X reward points on card spends

Welcome benefits:- Enjoy Rs. 500 welcome vouchers on spending Rs. 15,000 and 5% cashback on your first EMI within 90 days of card issuance.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC FIRST Bank Millennia Credit Card

IDFC FIRST Millennia Credit Card is a lifetime-free rewards card that offers up to 10X reward points on spends, with no expiry or cap on rewards. It comes with added lifestyle perks like movie discounts, railway lounge access, and roadside assistance. Despite no annual fee, it offers joining benefits worth up to Rs. 1,500. To truly benefit, you should spend over Rs. 20,000 monthly to unlock 10X rewards. However, do note the limited redemption value of the rewards.

The IDFC FIRST Millenia Credit Card offers lifetime free membership with no joining fee and rewards that never expire. It provides enhanced rewards on every spend, including 10X points on birthday transactions, along with dining and movie discounts. With interest rates ranging from just 0.75% to 2.99% per month, it’s a great value card for everyday use.

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

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

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

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

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.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

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

IDFC FIRST Bank Millennia Credit Card Hilights

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

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