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IDFC FIRST Millennia Credit Card

3 from 300 Users

All Card USPs

₹500 Welcome Gift Voucher

on spending ₹5,000 or more within 30 days of card issuance

Zero Annual & Renewal Fees

making the card lifetime free with no renewal charge

Complimentary 24×7 Roadside Assistance

up to 4 times a year, worth ₹1,399, provided through Global Assure

Best For

Shopping

Online Food Ordering

Grocery Shopping

Utility Bills

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

N/A

Annual Fees

₹0 ( ₹0 + GST )

N/A

Eligibility

Age Criteria

21-65 years

Salary Criteria

3 LPA

Credit Rating*

750+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.25

Redemption Options

You redeem your points here:

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • Earn 3X reward points on online and offline spends up to ₹20,000 per month
  • Earn 10X reward points on incremental spends above ₹20,000 per month
  • Earn 10X reward points on all spends made on your birthday
  • Earn 1 reward point per ₹150 spent on utility and insurance bill payments
  • Enjoy 4 complimentary railway lounge visits every quarter, subject to spend eligibility
  • Get up to 20% dining discounts at partner restaurants across India
  • Avail 25% off on movie tickets once a month via Paytm, capped at ₹100
  • Enjoy a 1% fuel surcharge waiver up to ₹200 per month
  • Convert purchases above ₹2,500 into EMIs via IDFC FIRST Bank mobile app
  • Benefit from low finance charges starting at 0.75% per month
  • Enjoy interest-free cash withdrawals for up to 48 days
  • Card comes with zero annual and renewal fees
  • Reward points are redeemable anytime and never expire

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Spends

Rent Payment

Wallet Loads

ATM Cash Withdrawals

EMI Spends

All Reversals

Gift Card and Voucher Purchases

Bank Charges & Fees

Interest Charges

Late Payment Fees

Money Transfers

P2P Transfers

Government-related Transactions

Taxes

Utility Bill Payments

Insurance Payments

Cryptocurrency/Digital Asset Transactions

Gambling Transactions

Outstanding Payments

For Spends Waiver

Fuel Spends

Rent Payment

Wallet Loads

Cash Advances

EMI Spends

Bank Charges & Fees

All Reversals

Gift Card and Voucher Purchases

Money Transfers and P2P Transfers

Government-related Transactions

Taxes

Utility Bill Payments

Insurance Payments

Cryptocurrency/Digital Asset Transactions

Gambling Transactions

Outstanding Payments

Bank Fee Structure

StructureDetails
Forex Markups

3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (3.5%):
₹100 → ₹3.5
₹1,000 → ₹35
₹10,000 → ₹350
₹1,00,000 → ₹3,500

3.5%
APR Fees

Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid.

3.99%
ATM Withdrawl

0% interest (45 days) | ₹199 + GST per withdrawal

0%
Reward Redemption Fees

₹99 fee applies on each redemption request

₹99
Link for all T&Cs
Click Here
Railway Surcharge

1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra.

1%
Rent Payment Fees

1% surcharge applies on rental transactions made using the credit card.

1%
Cheque Payment Fees

A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal.

N/A
Cash Payment Fees

N/A

N/A
Late Payment Fees

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

Amount Due
₹0 - ₹100 ₹0 - ₹100
₹500 ₹500
₹5000 ₹5000
₹8000 ₹8000
₹10,000 ₹10,000
₹10,000 & above ₹10,000 & above

Apply for this card

TOP USPs

₹500 Welcome Gift Voucher

on spending ₹5,000 or more within 30 days of card issuance

Zero Annual & Renewal Fees

making the card lifetime free with no renewal charge

Apply Now