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If you are looking for an entry-level card, IDFC’s FIRST Millennia credit card is the right choice. This is a reward points-based credit card with a decent rewards program. It offers up to 10x Non-Expiring Reward points, which can be redeemed at any point in time. This card provides reward points for online as well as offline spending. Moreover, if someone is fond of travelling via trains, then this card provides complimentary Railway Lounge access four times a quarter, making your travelling experience a lot more luxurious.

Other card benefits include a discount of up to 25% on movies, up to 20% off on dining, complimentary roadside assistance, and many more. Plus, it is a lifetime free credit card, i.e., no annual fee credit card, which means you don’t have to pay a single penny till the time you are using this amazing card.

Read on to learn more about the IDFC FIRST Millennia Credit Card:



Joining Fee


Renewal Fee


Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits

5% cashback on first EMI spend up to Rs. 1000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 15,000 inside 90 days of card generation

Movie & Dining

Up to 20% discount on more than 1,500 Restaurants across India. Avail 25% discount on movie tickets once a month on the Paytm app (up to Rs. 100).

Rewards Rate

3 Reward Points on each offline spend of Rs. 150, 6 RPs per online spend of Rs. 150, and 10 Rewards on every Rs. 150 on spends above Rs. 20,000.

Reward Redemption



Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.



Domestic Lounge Access


International Lounge Access


Insurance Benefits

Personal Accidental Cover worth Rs. 2 Lakhs on all active cards. Lost Card Liability Cover of Rs 25,000.

Zero Liability Protection

Zero Liability protection upto Rs 25,000. Not valid on PIN Based transactions.

Spend Based Waiver


Rewards Redemption Fee

Rs. 99 plus taxes

Rewards Redemption Fee

Rs. 99 plus taxes

Foreign Currency Markup

3.5% of the total transaction value.

Interest Rates

Starting from 0.75% and goes up to 3.5% per month.

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations and on all fuel purchases across India (Upto Rs 200 every month).

Cash Advance Charges

Transaction fees of Rs. 199

Add-on Card Fee


  • Zero annual fee credit card.
  • Comes with never-expiring reward points.
  • 10x Reward Points on spends of Rs 20,000 and above.
  • 10x Reward points on all spend done on your birthday.
  • 6x reward points on all online spends and 3x reward points on all offline spends.
  • Low-Interest Rates starting at 0.75% per month.
  • Fuel surcharge waiver at all gas stations pan India (Upto Rs. 200 every month).
  • Complimentary Railway lounge access 4 times in a quarter.
  • Complimentary roadside assistance worth Rs. 1399
  • Personal Accidental Cover worth Rs 2 Lacs on all active cards.
  • Fuel surcharge waiver on all fuel purchases up to Rs. 200 per month.


  • With this card, you get complimentary railway lounge access which is highly beneficial for domestic travellers who prefer to travel by railways.
  • This card has a great advantage as it is a lifetime free card.


  • You won’t be provided with any domestic or international lounge access with the IDFC First Millennia Credit Card.
  • There is a reward redemption fee of Rs. 99 with this card.

IDFC First Millennia Card Features and Benefits

The IDFC First Millennia Credit Card is targeted at young individuals who love to spend on shopping, entertainment, dining, etc. The following are some of the important features and advantages of this credit card:

Welcome Benefits

  • IDFC First Millennia credit card comes with a host of welcome benefits for the buyer. You get an e gift voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of issuance of this credit card.
  • You also get a cashback of 5% (maximum Rs. 1000) on your first EMI transaction if done within the first three months of card issuance.

Movie Offers

IDFC First Millennia credit card offers a 25% discount on movie tickets (up to Rs. 100) on the Paytm app once every month so that you can watch your favourite heroes in action on big screens.

Dining Benefits

You can avail of up to 20% discount at more than 1,500 leading restaurants across India and relish your favourite delicacies without any worries.

Travel Benefits

If you are a frequent train traveller, we have great news for you. You can enjoy complimentary access to Railway Lounges up to 4 times per quarter with the IDFC FIRST Millennia Credit Card. These lounges offer a luxurious and comfortable experience similar to that of high-end hotels. You can now wait for your rides without any hassle and enjoy a sense of luxury.

Here are some of the IRCTC Executive Lounges you can access with your IDFC FIRST Millennia Credit Card-

  • Agra Cantt Railway Station
  • Ahmedabad Kalupur Railway Station
  • Kolkata (Sealdah) Railway Station
  • New Delhi Railway Station
  • Varanasi Cantt Railway Station
  • Jaipur Railway Station

You must present your valid card along with your train ticket to avail this offer.

Insurance Benefits

  • If you are a user of this card, then you are entitled to get a Personal Accident Cover worth Rs. 2 Lakhs which gets active in case of an accident or similar mishap.
  • Also, in case you tend to lose this card, your card will be equipped with a complimentary lost card liability cover of Rs. 25,000. Both these are applicable only if this card is being used or is active.

IDFC First Millennia Credit Card Rewards

  • The card offers up to 10x Reward points after achieving a spend of Rs 20,000 or more.
  • It offers 10x Reward points if you use this card for the spends on your birthday.
  • You get 6x Rewards on online purchases and 3x Rewards on offline purchases up to Rs. 20,000.
  • These RPs are redeemable at any point in time as they don’t expire and get accumulated for future use.
  • You cannot earn reward points on the purchase of fuel or Insurance policies, EMI, and Cash Withdrawals.

Note: 1x= 1 Reward Point for every Rs 150 spent.

Reward Redemption

  • Redemption of reward points earned using this credit card is simply a breeze. You can redeem the reward points against various categories & products. You have to pay a low amount of Rs. 99 plus taxes for reward redemption.
  • The Reward points are being calculated as follows-
    1 RP= Rs 0.25

IDFC First Millennia Credit Card Eligibility Criteria

For the issuance of the IDFC First Millennia Credit Card, there are certain basic eligibility criteria that need to be fulfilled-

  • The age of the applicant should be at least 21 years.
  • Annual income should be more than Rs. 3 Lakh.
  • The applicant should have a decent credit score with no payment defaults (Preferably above 700).


Proof of Address– Driving License, Aadhar Card, Passport, Utility bills, Voter ID Card of the applicant.
Proof of Identity – PAN Card, Aadhar Card, Voter ID Card, or Driving License of the applicant
Proof of Income – Applicant’s salary slips for the latest three months or Bank Statement for the last three months, and latest audited ITR in case of self-employed people.

How To Apply For The IDFC First Millennia Credit Card?

You can apply for the IDFC First Millennia Credit Card online or offline as per your comfort. To apply offline, visit the IDFC First Bank branch nearest to you with all the necessary documents and apply for the card by filling out the offline application form. You can also apply online by following a few simple steps as follows:

  • Click on “Apply Now” and
  • Proceed further by filling in all the required details.

IDFC First Millennia Credit Card Review

Along with being a highly affordable card, the IDFC FIRST Millennia credit card is one of the most trending reward cards in the market one can opt for. It has a unique reward point system where the reward points don’t expire and are carried forward. Besides this, it offers a host of benefits like travel, lifestyle, Insurance covers, fuel surcharge charge waivers, etc. This card is best suited for people who are searching for a lifetime free credit card with no joining fee and want reward points on every online and offline spend. You won’t regret buying this smart and value-for-money credit card. Another card you must check is the IDFC First Classic Credit Card, which is also an exclusive lifetime free credit card.

This was the IDFC First Millennia Credit Card review from our side. Let us know your views on this card in the comment section below!


You can view and redeem your accrued Reward Points from IDFC First App / Net banking by clicking on HAVE tab -> Then select CARDS tab. Here you can view your accrued Reward points and redeem them by clicking on REDEEM NOW button.
Yes, you will earn a reward on every purchase or spend except Cash Withdrawals, Fuel, EMI and Insurance purchase transactions.
No, there is no limit or capping on the Reward Points you earn. You will earn Reward Points on every purchase.
Yes. With IDFC First Millennia credit card, you can use your Reward Points whenever you want as they won’t get expired and would be accumulated for future use if you don’t use them.
Yes, this card provides both Travel and Dine-In benefits:TRAVEL: You will get complimentary Railway Lounge access four times in a quarter.DINE-IN: You can avail of up to 20% discount at more than 1500 leading restaurants Pan India.
Yes. With IDFC First Millennia credit card, you can enjoy interest-free cash withdrawals from the ATM for 48 days.

IDFC FIRST Millennia Credit Card



  1. Faizan Reply

    IDFC First Milliennia Credti Card pr add on card banane pr lounge access jo milta hai wo har add on card pr alag alag hoga ya ek he hoga

    • Kartik Kanwar Reply

      Both primary and add-on card holders can avail railway lounge access with IDFC Millennia Credit Card.

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