IDFC First Millennia Credit Card

Secure application on IDFC FIRST Bank's website

IDFC First Millennia Credit Card
Annual Fee
₹0
Min Income
₹25,000
Regular APR
9%
Rating
4.7/5

IDFC First Millennia Credit Card

Shopping, Rewards, Airport-Lounge, Airline, Best, Premium • Card

Welcome Benefit

Gift voucher worth ₹500 on spending ₹5,000 within 30 days of card issuance. 5% cashback on the first EMI within 30 days of card activation (max ₹1,000).

Why We Chose It

An ideal card for shopping, lifestyle benefits, and high rewards earning potential, especially for those who enjoy dining, travel, and entertainment.

Pros

  • Free annual fee and joining fee.
  • 10X points for spending over ₹20,000/month and on your birthday.
  • 6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
  • 300+ year-round merchant offers.
  • Up to 20% off at 1,500+ restaurants.
  • Up to 15% off at 3,000+ Health & Wellness outlets.
  • 4 complimentary railway lounge visits per quarter.
  • 1% fuel surcharge waiver on fuel purchases.
  • Personal Accident Coverage of ₹2,00,000.

Cons

  • No reward points on fuel, EMI transactions, or cash withdrawals.
  • No rewards for insurance premiums.
  • Late payment fee of up to ₹1,250.