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IDFC FIRST Millennia Credit Card
A genuinely lifetime-free Visa card with a low starting interest rate (0.71% p.m.) and 10X points on dining and travel, but the reward point value is thin and most benefits — lounge access, movie discounts — require staying spend-active each month. The app also lets cardholders boost redemption value on select bookings, with reported bonuses around a third extra on hotel redemptions and roughly an eighth extra on flights. Reward points carry a two-year validity window rather than expiring immediately, and cashing them out through the IDFC portal attracts a small flat redemption fee.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.375%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Movie & dining: Up to 20% dining discount across 1,500+ partner restaurants; 25% off (up to ₹100) on movie tickets via the District app, once a month
- Rewards rate: 0.375% base rate
- Insurance benefits: ₹2 lakh personal accident cover and zero lost-card liability
Benefits by category
- 🍽️ Dining & food delivery
1.25% reward rate · Up to 20% dining discount across 1,500+ restaurants; 25% off (up to ₹100) on movie tickets once a month; 300+ merchant offers year-round
- ✈️ Travel
1.25% reward rate · Complimentary railway lounge access, 4 visits/quarter (unlocked by spending ₹20,000 in the current calendar month)
- 🛡️ Insurance
Personal Accident Cover of ₹2 lakh and Zero Lost Card Liability
- 🧾 Utilities
0.125% reward rate
- ⛽ Fuel
Fuel surcharge waiver up to ₹200/month
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 0%
- Interest rate: 8.52%–46.2% p.a.
- Fuel surcharge waiver: 1% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200/month
- Cash advance charges: ₹199 + GST per cash advance transaction
Benefits
- Welcome voucher worth up to ₹500 on eligible spends within 30 days of card activation
- 5% cashback (up to ₹1,000) on the value of the first EMI transaction made within 30 days of card activation
- Complimentary railway lounge access, 4 visits/quarter (unlocked by spending ₹20,000 in the current calendar month)
- Fuel surcharge waiver up to ₹200/month
- Personal Accident Cover of ₹2 lakh and Zero Lost Card Liability
- Up to 20% dining discount across 1,500+ restaurants; 25% off (up to ₹100) on movie tickets once a month; 300+ merchant offers year-round
Pros
- + Lifetime free, no joining or annual fee
- + 10X points on dining and travel spend
- + Interest rate starts low and can improve with credit history
- + In-app bonus multipliers on hotel and flight redemptions
Cons
- − No fuel rewards; fuel surcharge waiver capped at ₹200/month
- − Lounge and movie benefits are conditional on monthly spend thresholds
- − Small redemption fee applies each time points are cashed out
- − International spends stop earning reward points from 26 Oct 2026 (the trade-off for zero forex markup)
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