Home / IDFC FIRST Millennia Credit Card Credit Card Review
IDFC FIRST Millennia Credit Card Review
The IDFC millennia credit card is genuinely lifetime free and now earns 10 Reward Points per ₹200 (1.25% back) on dining, travel and international spends from your very first transaction.
4
/5
Card24 Score
Rewards 3.8
Travel 3
Fees 4.8
Last reviewed July 2026 · Card24.ai editorial team
Annual Fee
₹0- Currently Lifetime free
Accelerated Earn
10 RP/₹200 Eligible Spends*
Railway Lounge
4 Railway Lounge Visits/Qtr
Credit Card Verdict- IDFC FIRST Millennia
What we like
- Since the 18 June 2026 revision, the idfc first millennia credit card earns 10 Reward Points per ₹200 (1.25% value back) on dining, travel and international spends starting from your very first transaction- no more waiting to cross a ₹20,000 monthly threshold like the old structure required.
- Among the idfc millennia credit card benefits, genuine lifetime-free status stands out- ₹0 joining fee and ₹0 annual fee with no spend condition attached, unlike cards that only waive the fee if you hit an annual spend target.
- The idfc first millennia card bundles 4 complimentary railway lounge visits per quarter, ₹1,399 worth of complimentary roadside assistance, and a 1% fuel surcharge waiver- practical everyday perks for a card with no annual fee.
- New cardholders get a ₹500 welcome voucher on ₹5,000 spend within 30 days, plus up to 25% off on movie tickets monthly- the idfc first bank millennia credit card benefits extend well beyond just the core reward rate for everyday lifestyle spending.
Watch out for
- There is no idfc first millennia credit card airport lounge access at all- this card does not offer any domestic or international airport lounge visits, complimentary or otherwise. If airport lounge access matters to you, this isn't the right card.
- General online and offline spends outside dining, travel, and international transactions earn just 3 Reward Points per ₹200 (0.375% value back) on the first millennia credit card benefits- noticeably modest compared to the headline '10X' branding, which only applies to specific categories.
- As of the 18 June 2026 revision, Reward Points on the idfc credit card millennia benefits now expire after 24 months- previously they were valid indefinitely. Redemption also attracts a ₹99+GST convenience charge per transaction, which eats into smaller redemptions.
- Fuel, EMI transactions, and cash withdrawals earn zero Reward Points on the millennia idfc credit card, and rewards are now capped at your assigned credit limit per billing cycle- a new restriction added in the same June 2026 revision.
Fuel, EMI transactions, and cash withdrawals earn zero Reward Points on the millennia idfc credit card, and rewards are now capped at your assigned credit limit per billing cycle- a new restriction added in the same June 2026 revision. Card24.ai review of the idfc first millennia credit card is based on official idfcfirst.bank.in data and verified aggregators as of July 2026, including the 18 June 2026 reward-structure and points-expiry revision. This is a genuinely idfc millennia credit card fee-free card with no annual charges. Reward rates, expiry policy, and lounge/movie terms are subject to change- verify current millennia credit card idfc details at idfcfirst.bank.in before applying.
Credit Card Achievers - IDFC FIRST Millennia
Is the IDFC FIRST Millennia Credit Card Worth It in 2026?
The idfc first millennia credit card is worth having simply because it costs nothing- ₹0 joining fee, ₹0 annual fee, no spend condition to maintain that waiver. Since the 18 June 2026 revision, it also earns 10 Reward Points per ₹200 (1.25% back) on dining, travel, and international spends from the first transaction, making it a genuinely useful no-cost entry point into rewards for online shoppers and frequent diners.
Beyond the headline earn rate, the idfc first millennia credit card benefits include 4 complimentary railway lounge visits per quarter, ₹1,399 in roadside assistance, a 1% fuel surcharge waiver, up to 25% off movie tickets monthly, and bonus Reward Points of 20% on hotel and 10% on flight bookings made through the IDFC FIRST app. A ₹500 welcome voucher on ₹5,000 spend within 30 days adds early value too. For a card with no annual fee, this is a genuinely well-rounded feature set.
That said, there is no idfc first millennia credit card lounge access of any kind- a real gap for frequent international or domestic flyers, who should look at a premium travel card instead. Reward Points also now expire after 24 months, and general spends outside dining/travel/international only earn a modest 3X (0.375%)- so this card rewards specific habits more than blanket everyday spending.
Beyond the headline earn rate, the idfc first millennia credit card benefits include 4 complimentary railway lounge visits per quarter, ₹1,399 in roadside assistance, a 1% fuel surcharge waiver, up to 25% off movie tickets monthly, and bonus Reward Points of 20% on hotel and 10% on flight bookings made through the IDFC FIRST app. A ₹500 welcome voucher on ₹5,000 spend within 30 days adds early value too. For a card with no annual fee, this is a genuinely well-rounded feature set.
That said, there is no idfc first millennia credit card lounge access of any kind- a real gap for frequent international or domestic flyers, who should look at a premium travel card instead. Reward Points also now expire after 24 months, and general spends outside dining/travel/international only earn a modest 3X (0.375%)- so this card rewards specific habits more than blanket everyday spending.
Best For: Online shoppers, diners, and occasional travellers who want genuinely free rewards without any annual fee condition.
IDFC FIRST Millennia Credit Card Benefits
How to Get Maximum Value from Your IDFC FIRST Millennia Credit Card
Since the June 2026 revision, every dining, travel, and international transaction on the idfc first millennia credit card earns 10 Reward Points per ₹200 (1.25% back) from the first rupee- no monthly threshold to clear anymore. Prioritise this card for food delivery, restaurant bills, OTA bookings, and any foreign currency spends.
Book flights and hotels via the 'Travel & Shop' section of the IDFC FIRST app on your idfc bank millennia credit card to earn an extra 20% bonus Reward Points on hotels and 10% on flights, on top of the standard 10X dining/travel rate- a meaningful stack for planned trips.
Points on the idfc millennia card now expire 24 months after being credited, a change introduced on 18 June 2026. Set a reminder to redeem periodically via the FIRST Rewards Gallery rather than letting a large balance build up and lapse unused.
If you travel by train, make use of the idfc millennia credit card railway lounge access- 4 complimentary visits per quarter at participating stations. Since this card has no airport lounge benefit, this is the only lounge perk available, so frequent train travellers should plan around it.
Since the June 2026 revision, Reward Points on the idfc millennia credit card limit are only earned on spends up to your assigned credit limit per billing cycle- any spend beyond that, even if repaid mid-cycle, won't earn points. Track your limit via the IDFC FIRST app to avoid losing out on rewards.
Book flights and hotels via the 'Travel & Shop' section of the IDFC FIRST app on your idfc bank millennia credit card to earn an extra 20% bonus Reward Points on hotels and 10% on flights, on top of the standard 10X dining/travel rate- a meaningful stack for planned trips.
Points on the idfc millennia card now expire 24 months after being credited, a change introduced on 18 June 2026. Set a reminder to redeem periodically via the FIRST Rewards Gallery rather than letting a large balance build up and lapse unused.
If you travel by train, make use of the idfc millennia credit card railway lounge access- 4 complimentary visits per quarter at participating stations. Since this card has no airport lounge benefit, this is the only lounge perk available, so frequent train travellers should plan around it.
Since the June 2026 revision, Reward Points on the idfc millennia credit card limit are only earned on spends up to your assigned credit limit per billing cycle- any spend beyond that, even if repaid mid-cycle, won't earn points. Track your limit via the IDFC FIRST app to avoid losing out on rewards.
IDFC FIRST Millennia Credit Card Annual Fees
| Joining Fee | ₹0- Nil, on the idfc first millennia credit card |
| Annual Membership Fee | ₹0- Nil, lifetime free |
| Earn Rate- Accelerated Category | 10 RP/₹200 on dining, travel & international (1.25%), from transaction 1 |
| EMI Conversion | Available on transactions above ₹2,500 |
| Network | Visa (primary); FIRST Digital RuPay add-on card also available |
IDFC FIRST Millennia Credit Card Eligibility & Documents
Age 21–65 years
Minimum annual income Minimum net monthly income of ₹25,000 (approx. ₹3 lakh annual income)
Documents required PAN card · Aadhaar, Passport, Driving Licence or Voter ID · Income proof: salary slips
Residency Indian resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for IDFC FIRST Millennia Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Application Process - Visit the idfc first millennia credit card application page at idfcfirst.bank.in/credit-card/millennia and click 'Apply Now'
2
Fill Personal Details - Enter your name exactly as per your Aadhaar card, date of birth, and registered mobile number
3
Documents Required - A bank representative will contact you to proceed with the idfc millennia credit card aApplication process, including document collection and Video KYC if required
*T&C Apply
Frequently Asked Questions
The IDFC first millennia credit card (also called the idfc millennia credit card) is a genuinely lifetime-free rewards credit card from IDFC First Bank, with zero joining and annual fees. It earns 10 Reward Points per ₹200 (1.25% value back) on dining, travel, and international spends from the first transaction, 3 RP/₹200 on other spends, and 1 RP/₹200 on utility, insurance, railway, and FASTag payments. It includes 4 complimentary railway lounge visits per quarter but no airport lounge access.
No. The idfc first millennia credit card airport lounge access does not exist- this card provides no domestic or international airport lounge visits at any spend level. What it does offer is 4 complimentary railway lounge visits per quarter, which is a different, more limited benefit. Travellers who specifically want airport lounge access should consider a premium travel-focused card instead.
The idfc first millennia card charges no joining fee and no annual fee- it is genuinely lifetime free, with no spend condition required to maintain this waiver, unlike many cards marketed as 'lifetime free' that quietly need annual spend to keep the fee at zero. This makes it a low-risk option for first-time cardholders.
To complete an idfc first millennia credit card apply, visit idfcfirst.bank.in/credit-card/millennia and click 'Apply Now'. Enter your name as per Aadhaar, date of birth, and mobile number, then verify via OTP. A bank representative will contact you to continue the process, including document collection and Video KYC. You can also apply in person at any IDFC FIRST Bank branch.
IDFC First Bank does not publish a fixed idfc millennia limit- your limit is assigned individually based on income, credit score, and repayment history at the time of approval. Since the 18 June 2026 revision, Reward Points are also only earned on spends up to this assigned limit per billing cycle, so it's worth checking yours in the IDFC FIRST app.