IDFC FIRST Millennia Credit Card
IDFC · VISA★4.3/ 5
✓ Details last verified 1 Jan 2025
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IDFC FIRST Millennia is IDFC's digital-first lifetime-free card. No joining fee, no annual fee, 10X reward points on online spends in the first 30 days, and a low finance charge rate of 1.5%/month. Best for digitally active younger users wanting a no-cost card.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 2.50% | — |
| Other | reward points | 0.25% | — |
Online Shopping: 10X points on weekends online
Other: 1X points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
2 free movie tickets per month
Who is this card for?
- 🌱Entry tier — great for first-time and lower-spend users.
- 🎯Strongest value if you spend heavily on Online Shopping (2.50% back).
👍 Pros
- ✓No joining or annual fee — lifetime free
- ✓Simple, accessible entry/mid-tier card
- ✓Can be linked to UPI for everyday payments
👎 Cons
- ✕Reward caps may limit value for very high spenders
- ✕Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your idfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Never-expiring points
Frequently asked questions
What is the annual fee for the IDFC FIRST Millennia Credit Card?+
This card is lifetime free — there is no joining or annual fee.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 18 years old with a minimum income of Rs 12000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IDFC FIRST Millennia Credit Card are taken from IDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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