All cards / IDFC FIRST Bank
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.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.375%
Card network
Visa
Card tier
Entry
Reward rates by category
- Dining1.25%
- Travel1.25%
- Utilities0.125%
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
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
Cons
- − No fuel rewards; fuel surcharge waiver capped at ₹200/month
- − Lounge and movie benefits are conditional on monthly spend thresholds
Applying takes you to IDFC FIRST Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.