Route spending through 20% bonus Reward Points over base on hotel bookings in the app; 10% on flights (product page 2026-09-17).
Earn +20% bonus points here — 20.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · Dining
IDFC FIRST BANK · IDFC FIRST MILLENNIA CREDIT CARD
IDFC FIRST Millennia Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹1,50,912 for a mid spender · travel
IDFC FIRST BANK
Updated 17 Sep 2026 6 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
₹1,50,912 first-year net value · mid spender · travel
Category rewards ₹1,50,412
Welcome benefit· Welcome reward points ₹500
Net first-year value ₹1,50,912
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
≈ 0.38% back on eligible spends 3 pts 3 points per ₹200
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 20.0% back
10X Reward Points (product page 2026-09-17); 1 RP = ₹0.25 10X · 1.3%
Up to 3X on UPI spends via the RuPay variant (product page 2026-09-17) Up to 3X · 0.4%
1X = 1 Reward Point per ₹200 (product page 2026-09-17) 1X · 0.1%
20% bonus Reward Points over base on hotel bookings in the app; 10% on flights (product page 2026-09-17) +20% bonus points · 20.0%
Everything else (base) · 0.4%
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 (product page 2026-09-17); 1 RP = ₹0.25.
The second tier earns 10X (1.3% 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 0.0% · lowest in class
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.
08 WHAT CHANGED
How IDFC FIRST Millennia Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Forex markup now 0% (bank-wide Zero Forex Markup; was 3.5%); reward structure changed to category-based 10X on dining, travel, international and birthday spends, 3X on other eligible spends, 1X on insurance, utilities, railway and FASTag, up to 3X on UPI, plus 20%/10% bonus points on hotel/flight bookings in the app (was 1 per ₹150 base with 3X online and 10X above ₹20,000); railway lounge access now gated on ₹20,000 prior-month spend. Lifetime free and ₹500 welcome voucher on ₹5,000 re-verified. Becomes a zero-forex lifetime-free card; dining/travel spend earns far more, online shopping less
- Apr 2026 Editorial: added faq (6 QA pairs covering zero-fee status, online multiplier math, redemption, fit, forex, and lounge scope); normalized meta_information.last_updated from 'February 2026' to ISO '2026-04' Content layer enrichment; no schema/fee/reward changes
- 1 May 2024 1% utility surcharge introduced for utility spends above ₹20,000 per statement cycle Higher costs on large utility bill spends
- 2024 Current reward structure and online spend threshold benefits highlighted on the product page Rewards are differentiated by online spend threshold and birthday spends
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: IDFC FIRST Millennia product page, IDFC FIRST credit card fees and charges page, IDFC FIRST credit card MITC page, IDFC FIRST Most Important Terms and Conditions (Credit Cards) PDF, PerkPilot editorial: faq (Plan 14b Phase 4, 2026-04), idfcfirstbank.com. Next scheduled review: 17 Mar 2027.