IDFC FIRST Millennia Credit Card
A lifetime-free points card with no forex markup: 10X on dining, travel and international spends, 3X on most others, 1X on bills and insurance (1X = 1 point per ₹200, 1 point = ₹0.25). Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-15.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| 10X on dining, travel and international spends | 10 points per ₹200 Product page | no cap on record |
| 1X on utilities, insurance, railways and FASTag | 1 point per ₹200 Product page | no cap on record |
| 3X on other spend categories | 3 points per ₹200 Product page | no cap on record |
UPI needs the FIRST Digital RuPay add-on card, at ₹199 + GST a year; UPI spends are outside the 10X programme.
No rewards on
- Fuel (and EMI, cash withdrawals) Product page
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹200 to ₹5,000, up to ₹200 a month Product page
- Welcome: ₹500 gift voucher on ₹5,000 of spend within 30 days of the card being issued Product page
Eligibility
- Annual income of ₹3 lakh or more Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by IDFC FIRST Bank in the documents read
- the card network
- a minimum age
- airport lounge access (the card gives railway lounge visits only)
Where IDFC FIRST Bank’s documents differ, and what is used
- Insurance: the live page says insurance earns 1X; an older usage guide (2022) says it earns nothing. The live page is used.
The quotes behind the figures
22 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“No, the IDFC FIRST Bank Millennia Credit Card is lifetime-free. There are no joining, membership, or annual fees”
“The FIRST Millennia Credit Card is a lifetime-free credit card, carefully crafted with millennial lifestyles in mind.”
“The FIRST Millennia Credit Card provides ZERO forex markup. Spend without paying extra fees while travelling abroad as well as on international purchases made from India.”
“(1X reward point is given for every ₹200 spent in a transaction. Value of 1 reward point is ₹0.25)”
“- 10X Reward Points on Dining, Travel, and International purchases and spends done on your birthday.”
“1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25”
“1X Reward Points on Utility bill payments, Insurance premium payments, Railway spends and FASTag recharges”
“*All spend categories earn 3X Reward Points; except insurance, utilities, railways, FASTag recharges, dining, travel, international purchases, fuel, EMI transactions & cash withdrawals.”
“- Reward Points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.”
“Reward program not applicable on Fuel, EMI transactions and Cash withdrawals.”
“Joining and Annual fee (2nd year onwards) of just ₹199 + GST”
“You can currently get the add-on FIRST Digital RuPay Credit Card if you hold any of the following IDFC FIRST Bank Credit Cards: FIRST Classic, FIRST Millennia, FIRST WOW!”
“UPI transactions will not be a part of 10X rewards programme and 10X threshold calculations for all cards (Except Ashva and Mayura)”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“Enjoy 4 complimentary railway lounge visits across India every quarter”
“Disclaimer: Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month.”
“Reward Points are valid for 24 months from the date they are credited.”
“Reward redemption will attract a small convenience charge of ₹99 plus GST per redemption.”
“Fuel surcharge waiver of 1%* up to ₹200 every month at fuel stations across India”
“Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation.*”
“Eligibility: Annual income of ₹3 lakhs or more”
“To apply for a low interest credit card online like the FIRST Millennia, follow these simple steps:”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology