← Part of IDFC First Credit Cards in India
The IDFC FIRST Millennia Credit Card is a lifetime-free card, offering an Annual Percentage Rate (APR) from 8.5% to 46.2% p.a. (as of 2026). IT targets young earners with benefits like 4 complimentary railway lounge visits per quarter and a ₹500 welcome voucher.
| Parameter | Details |
|---|---|
| Card Name | IDFC FIRST Millennia Credit Card |
| Card Type | Rewards Credit Card |
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Membership Fee | ₹0 (Lifetime Free) |
| Interest Rate (APR) | 8.5% to 46.2% p.a. (or 0.75% to 2.99% per month) |
| Forex Markup Charge | 3.50% |
| GST | 18% (on all fees, interest, and charges) |
| Welcome Benefit | ₹500 e-gift voucher on spending ₹5,000 within first 30 days |
| Reward Points Earning | Up to 10X reward points on dining and travel spends; 1 Reward Point per ₹200 spent on other categories |
| Reward Points Expiry | Never expire |
| Reward Redemption Fee | ₹99 + GST |
| Railway Lounge Access | 4 complimentary visits per quarter at participating Indian railway lounges |
| Airport Lounge Access | Not available |
| Fuel Surcharge Waiver | 1% (up to ₹200 per month) on transactions between ₹200 and ₹5,000 |
| Roadside Assistance | Complimentary service worth ₹1,399 (up to 4 times a year) |
| Movie Discount | Up to 25% off (up to ₹100) once a month on Paytm/District app (requires one transaction in previous month) |
| Dining Discount | Up to 20% off at 1,500+ restaurants across India |
| Health & Wellness Discount | Up to 15% off at over 3,000 Health & Wellness outlets |
| EMI Conversion | Available for transactions above ₹2,500 (via app or OTP page) |
| Add-on Card | FIRST Digital RuPay Credit Card (linked, for UPI convenience) |
| Target Audience | Trendsetters and young earners, crafted for millennial lifestyles |
| Minimum Age | 18 years |
| Citizenship | Indian citizen |
| Minimum Annual Income | ₹3 Lakhs (approx. ₹15,000-20,000 monthly income recommended) |
The card’s lifetime-free status and competitive interest rates make IT an attractive option for individuals seeking value without recurring charges, as updated on June 18, 2026.
Millennia Card: Benefits & Features
The IDFC FIRST Millennia Credit Card is a lifetime-free card, offering up to 10X reward points on dining and travel spends. Cardholders receive 4 complimentary railway lounge visits per quarter and a 1% fuel surcharge waiver up to ₹200 monthly.
| Benefit Category | Specific Feature | Key Data/Value |
|---|---|---|
| Fees & Charges | Annual Fee | Lifetime-free (Zero joining, membership, or annual fees) |
| Rewards Program | Reward Points Earning | Up to 10X reward points on dining and travel spends |
| Rewards Program | Reward Points Expiry | Reward points never expire |
| Rewards Program | Welcome Voucher | ₹500 on spending ₹5,000 within the first 30 days |
| Rewards Program | Cashback Offer | 5% (up to ₹1,000) on first EMI transaction within the first month |
| Travel Benefits | Railway Lounge Access | 4 complimentary visits per quarter at participating Indian railway lounges |
| Travel Benefits | Roadside Assistance | Complimentary service worth ₹1,399 (up to 4 times a year) |
| Travel Benefits | Airport Lounge Access | No complimentary airport lounge access |
| Fuel Benefits | Fuel Surcharge Waiver | 1% (up to ₹200 per month) on transactions between ₹200 and ₹5,000 |
| Shopping & Dining | Dining Discounts | Up to 20% off at 1,500+ restaurants across India |
| Shopping & Dining | Health & Wellness Discounts | Up to 15% off at over 3,000 Health & Wellness outlets |
| Entertainment | Movie Discounts | 25% off (up to ₹100) once a month on Paytm/District app, requires one transaction in previous month |
| Financial Flexibility | EMI Conversion | Convert transactions above ₹2,500 into easy EMIs via mobile app or OTP page |
| Financial Flexibility | Interest-Free Cash Withdrawal | Up to 48 days on both local and international transactions |
| Digital Features | Add-on Card | Complimentary FIRST Digital RuPay Credit Card for UPI convenience |
| Digital Features | App Integration | Exclusive features and management via the IDFC FIRST Bank app |
| Security | PIN Requirement | Mandatory PIN entry at POS terminals for transactions in India |
The card is specifically designed for young earners and trendsetters, offering a blend of rewards and lifestyle benefits without recurring annual charges as of 2026.
Millennia Card: Fees & Charges
The IDFC FIRST Millennia Credit Card is a lifetime-free card, carrying no joining, annual, or membership fees. Cardholders benefit from low finance charges starting from 0.75% per month, with an Annual Percentage Rate (APR) ranging from 8.5% to 46.2% p.a. (Source: IDFC FIRST Bank official website, as of 2026).
| Metric | Value (₹) | Details |
|---|---|---|
| Joining Fee | ₹0 | The IDFC FIRST Millennia Credit Card is lifetime free. |
| Annual Fee | ₹0 | No recurring annual charges apply to this card. |
| Membership Fee | ₹0 | No membership fees are levied on the card. |
| Annual Percentage Rate (APR) | 8.5% – 46.2% p.a. | Interest rates vary based on credit profile, among the lowest in India. |
| Finance Charges | 0.75% – 2.99% per month | Low finance charges apply on outstanding balances. |
| GST | 18% | Applicable on all fees, interest, and charges, as per government norms. |
| Forex Markup Charge | 3.50% | Applied to all international transactions. |
| Rewards Redemption Fee | ₹99 + GST | A fee is charged for redeeming accumulated reward points. |
| Cash Advance Fee | Refer to MITC | Other charges include cash advance fees; check the latest Schedule of Charges. |
| Fuel Surcharge Waiver | Up to ₹200 per month | 1% waiver on fuel transactions between ₹200 and ₹5,000. |
The card’s lifetime-free status and competitive finance charges make IT an attractive option for users seeking a cost-effective credit solution in India.
Millennia Card: Eligibility & Documents
To qualify for the IDFC FIRST Millennia Credit Card in 2026, applicants must be Indian citizens aged 18 years or older. While no specific minimum monthly income is publicly stated, an annual income of at least ₹3 lakh is generally expected.
- Age Requirement: Applicants must be at least 18 years old to be eligible for the card.
- Citizenship: The card is exclusively available to Indian citizens.
- Annual Income: A minimum annual income of ₹3 lakh is typically required for approval.
- Credit Score: A strong CIBIL score, generally above 750, approval chances and may lead to better terms.
- Employment Status: Both salaried and self-employed individuals can apply, subject to income and credit history verification.
- Required Documents: Key documents include identity proof (e.g., Aadhaar, PAN), address proof (e.g., utility bill), and income proof (e.g., latest salary slips, bank statements, ITR).
- Application Process: Applications can be submitted online via the IDFC FIRST Bank website, Bajaj Markets, or by visiting an IDFC FIRST Bank branch.
- Bank’s Discretion: Final card approval rests solely with IDFC FIRST Bank, based on its internal assessment of the applicant’s profile.
Meeting these criteria and providing accurate documentation streamlines the application process for the IDFC FIRST Millennia Credit Card.
Millennia Card: Rewards Program
The IDFC FIRST Millennia Credit Card offers up to 10X reward points on online and offline spending, designed for young earners in India. These reward points never expire, providing long-term value for cardholders.
The card also includes various lifestyle benefits, discounts, and waivers, its appeal for daily use.
- Welcome Benefit: Spend ₹5,000 within the first 30 days of card issuance to receive a welcome voucher worth ₹500.
- Reward Points: Earn 10X reward points on all spending above ₹20,000 per billing cycle.
- Accelerated Rewards: Get 6X reward points on online spending up to ₹20,000 per billing cycle.
- Standard Rewards: Earn 3X reward points on offline spending up to ₹20,000 per billing cycle.
- Movie Discounts: Enjoy a 25% discount on movie tickets, up to ₹100, once per month, provided at least one transaction was made in the previous calendar month (effective June 18, 2026).
- Dining Offers: Receive up to 20% discount at over 1,500 partner restaurants across India.
- Health & Wellness: Avail up to 15% discount at more than 3,000 health and wellness outlets.
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver, capped at ₹200 per month, for transactions between ₹200 and ₹5,000 at all fuel stations in India.
These reward benefits make the IDFC FIRST Millennia Credit Card a strong option for regular spenders seeking value without annual fees.
Millennia Card Vs. Alternatives
The IDFC FIRST Millennia Credit Card is a lifetime-free option, designed for young earners, offering up to 10X reward points on dining and travel. Other IDFC FIRST Bank cards like the Select and Wealth variants cater to different spending profiles with varied benefits. As of 2026, IDFC FIRST Bank offers five lifetime-free credit cards, including the Millennia, Classic, Select, Wealth, and WOW! Cards.
| Feature | Millennia Card | FIRST Select Card | FIRST Wealth Card |
|---|---|---|---|
| Annual Fee | ₹0 (Lifetime-free) | ₹0 (Lifetime-free) | ₹0 (Lifetime-free) |
| Target Audience | Trendsetters, young earners | Not specified | High-net-worth individuals |
| Reward Points | Up to 10X on dining/travel; 3X on online spends up to ₹20,000/month; 1X on other spends; never expire | Not specified | 10X on spends above ₹20,000/month; 3X on spends up to ₹20,000/month; 10X on birthday spends |
| Forex Markup Charge | 3.50% | Not specified | 1.5% |
| Railway Lounge Access | 4 complimentary visits per quarter | Not specified | Not specified |
| Airport Lounge Access | No | Not specified | Complimentary access (details not specified) |
| Fuel Surcharge Waiver | 1% (up to ₹200/month) on ₹200-₹5,000 transactions | Not specified | Not specified |
| Roadside Assistance | Complimentary worth ₹1,399 (up to 4 times/year) | Not specified | Not specified |
| Movie Discount | Up to 25% (up to ₹100) once/month via Paytm/District app (requires 1 transaction in previous month) | Not specified | Not specified |
| Dining Discount | Up to 20% at 1,500+ restaurants | Not specified | Not specified |
| Health & Wellness Discount | Up to 15% at 3,000+ outlets | Not specified | Not specified |
| Minimum Monthly Income (approx.) | ₹15,000-₹20,000 (as of 2026) | ₹25,000-₹35,000 (as of 2026) | Higher income required (not specified) |
The Millennia Card is a strong contender for those seeking a no-annual-fee card with lifestyle benefits, while the FIRST Select and Wealth cards offer d features for higher spending tiers. Consider your spending habits and income to choose the most suitable IDFC FIRST Bank credit card.
Applying for Millennia Card: Steps
Applying for the IDFC FIRST Millennia Credit Card is a straightforward online process, designed for convenience. Applicants must be Indian citizens and at least 18 years old to begin the application.
- Online Application: Visit the official IDFC FIRST Bank website or apply through partner platforms like Bajaj Markets.
- Eligibility Check: Ensure you meet the minimum age of 18 years and are an Indian citizen. While no specific minimum monthly income is stated, an annual income of at least ₹3 lakhs is generally expected.
- Document Submission: Prepare necessary documents including address proof, identity proof, and income proof (such as bank statements or salary slips).
- Form Completion: Fill out the online application form with accurate personal and financial details.
- Bank Assessment: The bank conducts an internal assessment based on your application and submitted documents. Approval is at the sole discretion of IDFC FIRST Bank.
- Card Issuance: Upon approval, the IDFC FIRST Millennia Credit Card is issued and delivered to your registered address.
The IDFC FIRST Millennia Credit Card offers a welcome voucher worth ₹500 upon spending ₹5,000 within the first 30 days of card issuance.
Key Takeaways
- The IDFC FIRST Millennia Credit Card is lifetime-free, with no joining, annual, or membership fees.
- Cardholders can earn up to 10X reward points on dining and travel spends, and these points never expire.
- Eligibility requires applicants to be Indian citizens, at least 18 years old, with an expected annual income of ₹3 lakhs.
Check your eligibility and apply for the IDFC FIRST Millennia Credit Card directly on the IDFC FIRST Bank website.
Frequently Asked Questions (FAQs)
Is the IDFC FIRST Millennia Credit Card lifetime free?
Yes, the IDFC FIRST Millennia Credit Card is lifetime free. IT carries no joining fees, annual fees, or membership fees, making IT a cost-effective option for cardholders. This zero-fee structure helps cardholders avoid recurring charges while enjoying premium benefits.
What are the key benefits of the IDFC FIRST Millennia Credit Card?
The IDFC FIRST Millennia Credit Card offers up to 10X reward points on dining and travel spends, along with a welcome voucher worth ₹500 on spending ₹5,000 within the first 30 days. Cardholders also receive 4 complimentary railway lounge visits per quarter and a 1% fuel surcharge waiver up to ₹200 monthly. You can also convert purchases over ₹2,500 into easy EMIs.
Does the IDFC FIRST Millennia Credit Card offer airport lounge access?
No, the IDFC FIRST Millennia Credit Card does not offer complimentary airport lounge access. This card focuses on benefits like railway lounge access, reward points on specific spends, and movie discounts. For airport lounge access, you might consider other IDFC FIRST Bank credit cards like the FIRST Wealth or FIRST Select.
What is the interest rate (APR) for the IDFC FIRST Millennia Credit Card?
The Annual Percentage Rate (APR) on IDFC FIRST Bank Credit Cards, including the Millennia card, ranges from 8.5% to 46.2% p.a. IDFC FIRST Bank is known for offering some of the lowest credit card interest rates in India, starting from 8.5% p.a. Your specific APR depends on your credit profile and repayment history.
Do reward points on the IDFC FIRST Millennia Credit Card expire?
No, the reward points earned on the IDFC FIRST Millennia Credit Card do not expire. This allows cardholders to accumulate points over time and redeem them at their convenience. You can manage and redeem your reward points through the IDFC FIRST Bank app.
Can I get a Digital RuPay Credit Card with my IDFC FIRST Millennia Credit Card?
Yes, as of 2026, IDFC FIRST Millennia Credit Cardholders are eligible to get an add-on FIRST Digital RuPay Credit Card. This digital card is linked to your primary IDFC FIRST Credit Card and allows for convenient UPI transactions. This feature the card’s utility for everyday digital payments.
What are the movie benefits with the IDFC FIRST Millennia Credit Card?
The IDFC FIRST Millennia Credit Card offers specific movie benefits, such as discounts on ticket bookings. To avail the movie benefit in July 2026, for example, you must have made at least one transaction in June 2026. Specific discount percentages and partner platforms are detailed on the IDFC FIRST Bank website.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.