IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Minimum income Rs 3,00,000/year
Lounge access
0 domestic / 0 international / 16 railway visits per year
4 railway lounge visits/quarter — not airport lounge access.
Reward details
3X points on other online/offline transactions
- 10X reward points on Dining, travel, international spend
Welcome bonus: Up to Rs 1,500 (Rs 500 gift voucher plus 5% cashback on first EMI)
Category caps
- Utility/bill payments: 1X point per Rs 200
Redemption
Ratio: 1 point = Rs 0.25; points valid 24 months
Excluded from rewards: fuel, cash advances
- 25% off up to Rs 100 on movie tickets via District by Zomato, once a month
- Interest-free cash withdrawals for up to 45 days
- 1% fuel surcharge waiver capped at Rs 200/month
- Personal accident cover Rs 2,00,000
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Well suited to those wanting a no-cost rewards card for dining and travel spend without brand-specific lock-in — Paisabazaar
Complaints
- No airport lounge access, unlike premium alternatives — Paisabazaar
- Low reward redemption value compared to competitor cards — Paisabazaar
- Fuel and cash advances excluded from rewards — Paisabazaar
Sources
- Official — confirmed lifetime-free status only; JS-rendered page did not return full detail content
- Aggregator — eligibility, lounge, rewards, sentiment