Route spending through 10X reward points on spends beyond ₹20,000 monthly online spend threshold.
Earn 10X here — 6.7% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · No-fee
IDFC FIRST BANK · IDFC FIRST MILLENNIA CREDIT CARD
IDFC FIRST Millennia Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹34,160 for a mid spender · travel
IDFC FIRST BANK
Updated 2026-04 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is IDFC FIRST Bank's.
MONTHLY INCOME ₹0.3L+ Salaried or self-employed
CREDIT SCORE 650+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹34,160 first-year net value · mid spender · travel
Category rewards ₹33,660
Welcome benefit· Welcome reward points ₹500
Net first-year value ₹34,160
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.67% back on eligible spends 1 pts 1 points per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 6.7% back
3X reward points on online spends up to ₹20,000 per month · 2.0%
10X reward points on spends beyond ₹20,000 monthly online spend threshold 10X · 6.7%
10X reward points on birthday spends 10X · 6.7%
3X reward points; these spends do not count towards the ₹20,000 online spend threshold for 10X rewards · 2.0%
Everything else (base) · 0.7%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time IDFC FIRST Bank tweaks the program.
Don't sleep on 10X reward points on birthday spends.
The second tier earns 10X (6.7% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Welcome voucher
₹500 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
Yes — the IDFC FIRST Millennia is lifetime free with ₹0 joining and ₹0 annual fee on the Visa/Mastercard variants (the RuPay variant has a ₹199 annual fee for UPI support). Welcome benefit is a ₹500 voucher on ₹5,000 spend within 30 days. There's no spend threshold to keep it free; the tradeoff is the 0.67% base reward rate.
HOW WE KEEP THIS CURRENT
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.