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IDFC FIRST Bank · Visa

IDFC FIRST Millennia Credit Card

10X on dining, travel, international purchases and birthday spends; 3X on eligible spends; 1X on utility, insurance, railway and FASTag

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SegmentEntry
Joining feeNil
Annual feeNil
Reward typeReward Points

Reward categories

Dining, travel and international purchases10 Reward Points per ₹200

Cap: Reward Points are earned only on spends up to the credit limit in each billing cycle

Birthday spends10 Reward Points per ₹200

Cap: Reward Points are earned only on spends up to the credit limit in each billing cycle

Other eligible spends3 Reward Points per ₹200

Cap: Reward Points are earned only on spends up to the credit limit in each billing cycle

Utility bills, insurance premiums, railway spends and FASTag recharges1 Reward Point per ₹200

Cap: Reward Points are earned only on spends up to the credit limit in each billing cycle

Flights booked through FIRST Rewards Gallery in the IDFC FIRST Bank app10% bonus Reward Points over the applicable base earn

Current issuer product page; bookings must be made through the FIRST Rewards Gallery section.

Hotels booked through FIRST Rewards Gallery in the IDFC FIRST Bank app20% bonus Reward Points over the applicable base earn

Current issuer product page; bookings must be made through the FIRST Rewards Gallery section.

Welcome & milestones

Welcome

  • Gift voucher worth ₹500 from an eligible brandSubject to the issuer's current welcome-benefit claim process
  • 5% cashback up to ₹1,000 on the first EMI conversionFirst eligible EMI conversion within 30 days of card setup

Milestones

None listed in the imported record.

Lounge rules

Domestic: No complimentary airport lounge access

Railway: 4 complimentary railway-lounge visits per quarter; spend ₹20,000 in the current calendar month to unlock access in the next month

The current issuer privileges material lists railway lounges, not airport lounges.

Eligibility

Age

    Income

    • Annual income of ₹3 lakh or more

    Employment

      Documents

      • Approval remains subject to IDFC FIRST Bank's internal credit assessment

      Other benefits

      • 25% discount up to ₹100 on one movie-ticket booking per month, subject to at least one purchase or ATM withdrawal in the previous calendar month
      • Complimentary roadside assistance up to 4 times per year, subject to the card-activity conditions in the privileges document
      • Personal accident cover of ₹2 lakh and zero lost-card liability, subject to policy terms
      • Interest-free ATM cash withdrawal until the payment due date; ₹199 + GST cash-withdrawal fee applies
      • Low, risk-linked APR advertised from 8.5% per annum

      Exclusions

      Fuel transactions do not earn Reward PointsEMI transactions do not earn Reward PointsCash withdrawals do not earn Reward PointsSpends above the assigned credit limit in a billing cycle do not earn Reward Points

      Recent changes

      1. 10X Reward Points on dining, travel and international spends began applying from the first eligible transaction, replacing the ₹20,000 per-billing-cycle unlock. Reward Points earned from the July 2026 statement cycle carry 24-month validity, and the existing balance at that cycle stays redeemable until July 2028.

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