IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Dining, travel and birthday spends earn 1.25% back in reward points, most other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on fuel, EMI or cash, and none on international spends from 26 October 2026.
- Lifetime free
Pros and cons
Good
- Lifetime free: no joining or annual fee
- 1.25% on travel: 3rd of 14 zero forex cards we compare
- No forex markup
- Low income bar: ₹25,000 a month
Watch out for
- Low base rate: 0.38% on everyday spends
- Can't be used on UPI (not a RuPay card)
- Who it's for
- Anyone who wants a no-fee card for travel.
- Skip it if
- You mainly pay by UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 0.38% (base rate)
- Online shopping
- 0.38%
- Fuel
- 0%
- Groceries
- 0.38%
- Travel
- 1.25%
- Bills and utilities
- 0.13%
- Dining and food delivery
- 1.25%
Fees and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Lifetime free: no joining or annual fee, no spend condition
- Forex markup
- 0%
- Fuel surcharge waiver
- 1% on fuel transactions of ₹200–₹5,000, up to ₹200 per statement cycle
Benefits and eligibility
- Airport lounge
- No airport lounge visits; 4 railway lounge visits a quarter, unlocked for the next month by spending ₹20,000 in a calendar month.
- Card network
- Not published by the bank
- UPI payments
- No
- Minimum income (salaried)
- ₹25,000 a month
- Eligibility
- Annual income ₹3 lakh or more (about ₹25,000/month). Income proof required (unsecured card); self-employed applicants can apply with ITR. Issuance at the bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the IDFC FIRST Millennia Credit Card?
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What changed recently
- UpcomingRewardsWorse for you
International spends will no longer earn reward points.
Before: 10X points (1.25% back) on international spends · After: No points on international spends
Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.
Bank's notice or terms - FeesBetter for you
No forex markup on international transactions.
After: 0% forex markup
The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.
Bank's notice or terms - RewardsNeutral
10X points moved from spends above ₹20,000 a month to dining, travel and international spends from the first rupee; other spends earn 3X.
Before: 10X on monthly spends above ₹20,000 and on birthday; 3X up to ₹20,000 · After: 10X on dining, travel and international from the first transaction; 3X on other spends
Bank's notice or terms - RewardsWorse for you
Reward points now expire 24 months after they are credited; the existing balance stays valid until July 2028.
Before: Points never expire · After: Points valid 24 months
Bank's notice or terms - Reward capsWorse for you
Points are earned only on spends up to the credit limit in each billing cycle.
After: Points capped at spends up to the credit limit per cycle
Bank's notice or terms
Questions people ask
Is the IDFC FIRST Millennia Credit Card worth it in 2026?
Yes, as a no-fee card for travel: it costs nothing to keep. The catch: low base rate: 0.38% on everyday spends.
Is the IDFC FIRST Millennia Credit Card lifetime free?
Yes. The bank's fee schedule shows no joining fee and no annual fee.
Does the IDFC FIRST Millennia Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the IDFC FIRST Millennia Credit Card give airport lounge access?
No airport lounge visits; 4 railway lounge visits a quarter, unlocked for the next month by spending ₹20,000 in a calendar month.
What earns no rewards on the IDFC FIRST Millennia Credit Card?
No points on fuel, EMI transactions or cash withdrawals, and none on international spends from 26 October 2026. Travel spends keep the 1.25% rate unless they're international transactions. Points are earned only on spends up to the credit limit in each billing cycle, and a cycle's points are withheld or reversed if the minimum due isn't paid by the due date. Utilities, insurance, railway and FASTag earn the low 1X rate rather than nothing. No cap on points earned is published.
Who can get the IDFC FIRST Millennia Credit Card?
The bank publishes a minimum income of ₹25,000 a month for salaried applicants. Self-employed people can apply: ITR accepted as income proof; ₹3 lakh a year. Annual income ₹3 lakh or more (about ₹25,000/month). Income proof required (unsecured card); self-employed applicants can apply with ITR. Issuance at the bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read IDFC FIRST Bank's own terms and product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on IDFC FIRST Bank's official page. Fees and rewards change; check the issuer's terms before you apply.