IDFC FIRST Millennia Credit Card

  • Joining Fee: Nil
  • Renewal Fee: Nil
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 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
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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, 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:

New Features

Spend Based Waiver

Interest Rates

Add-on Card Fee

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.

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Cash Advance Charges

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).


International Lounge Access

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.


Insurance Benefits

Reward Redemption

Domestic Lounge Access

Zero Liability Protection


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.


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