IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card

FIRST Millennia Credit Card

Joining Fees

Renewal Fees

Best Suited For

Reward Type

Welcome Benefit




Reward Points

5% cashback on first EMI spend up to Rs. 1000.

Rewards and Benefits

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

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


Zero Liability Protection

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

Spend Based Waiver


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).


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.

Fees & Charges

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


Product Details

  • 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.

Pros or Cons


  • 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.


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How to Apply

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Eligibility Criteria

  • Age of 18 and 70 years.
  • Resident of India or a Non-Resident Indian

Document Required

  • Color photograph
  • Identity Proof (Aadhaar Card / Driving License / Passport)
  • PAN Card
  • Residence Proof (Ration Card / Electricity Bill /  Telephone Bill / Passport)
  • Proof of income (latest Pay Slip / Form 16 / IT return Copy)

Card Limit

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Application Status

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Card Login

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Card Pin Generation

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Card Review

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