By Ankur Mittal
Updated On April 13, 2022

If you are looking for an entry-level card, IDFC’s FIRST Millennia credit card is the right choice for you. 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, that too without paying any redemption charges. This card provides reward points on online as well as offline spending. Moreover, if someone is fond of traveling via trains, then this card provides complimentary Railway Lounge access four times a quarter making your traveling 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, which means you don’t have to pay a single penny till the time you are using this amazing card. Read on to know more about the IDFC FIRST Millennia Credit Card:

Best Suited For

Shopping |

Joining Fee


Reward Type

Reward Points |

Product Details

  • Lifetime free 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.
  • Personal Accidental Cover worth Rs 2 Lacs on all active cards.
  • 1% fuel surcharge waiver.

Rewards and Benefits

Welcome Benefits

5% cashback on first EMI Transaction within and gift vouchers worth Rs. 500.

Movie & Dining

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

Rewards Rate

3 Reward Points on every offline spend of Rs. 100, 6 Reward Points on every online spend of Rs. 100, and 10 Reward Points on every Rs. 100 on spends above Rs. 20,000.

Reward Redemption



Complimentary Railway lounge access 4 times in a quarter.



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.

Fees & Charges

Joining Fee


Renewal Fee


Spend based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3.5% of the total transaction value.

Interest Rates

Starting from 0.75% and goes up to 2.99% per month.

Fuel Surcharge

Fuel surcharge waiver at all gas stations across India (Upto Rs 200 every month).

Cash Advance Charge

Transaction fees of Rs 250

Add-on Card Fee


IDFC First Millennia Card Features and Benefits

Welcome Benefits

  • IDFC First Millennia credit card comes with a host of welcome benefits for the buyer. You get a 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% on your first EMI transaction if done within the first 90 days of card issuance.

Movie and Dining Benefits

  • IDFC First Millennia credit card offers a 25% discount on movie tickets (up to Rs. 100) once every month so that you can watch your favorite heroes in action on big screens.
  • You can avail of up to 20% discount at more than 1,500 leading restaurants across India and relish your favorite delicacies without any worries.

Travel Benefits

If you frequently travel via train then there is good news for you. This card offers complimentary Railway Lounge access 4 times a quarter. Now waiting for your rides would be hassle-free and sense of luxury and sheer comfort, these lounges are no less than luxury hotels.

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 Rewards

  • The card offers upto 10x Reward points on spending Rs 20,000 or more.
  • It offers 10x Reward points if you use this card for the spends on your birthday.
  • You get 6x Reward points on online purchases and 3x Reward points on offline purchases up to Rs. 20,000.
  • These reward points can be redeemed 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 100 spent.

Reward Redemption

  • Redeeming reward points with this credit card is simply a breeze. You can redeem the reward points against various categories & products. Moreover, no charges are levied on the redemption of these reward points.
  • The Reward points are being calculated as follows-
    1 Reward Point= Rs 0.25

Eligibility and Documentation

For the issuance of IDFC First Millennia Credit Card, there are some basic eligibility criteria-
⦁ One should be at least 21 years or above.
⦁ Regular source of Income whether the person is salaried or self-employed.
⦁ One should have a decent credit score or credit history (Preferably above 700).

Documents Required-

⦁ Proof of Address- Aadhar Card, Driving License, Voter ID Card, Passport, Utility bills on the name of the person who wants to issue the credit card.
⦁ Proof of Identity- Aadhar Card, PAN Card, Driving License, Voter ID Card.
⦁ Proof of Income- Salary slips for the last three months (In case the person issuing the card is salaried) or Bank Statement for the last three months.

Bottom Line

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.


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. Moreover, there are no redemption charges on the usage of accrued Reward Points.

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.

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