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IDFC FIRST Millennia
Annual Fee
₹499
Rewards/₹100 ⓘ
₹2.50
Normalized to balance base rate with bonus categories
Interest Rate
9.99%
Credit Score
700+
Quick Details
Annual Fee
₹499
#75
Joining Fee
FREE
#1
Interest Rate
9.99% p.a.
#15
Forex Markup
3.50%
#75
Rewards/₹100
₹2.50
#114
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee 15.00% (min ₹100)
Over Limit Fee ₹600
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Base
First Rs 20K spend
₹0.75 /₹100
Base
Above Rs 20K spend
₹2.50 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Milestone Benefits
Welcome Bonus
Rs 500 voucher on Rs 5K spend in 30 days
Spend ₹5,000
₹500
value
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days.
Fraud
₹0
Zero liability for unauthorized transactions.
Lifestyle Perks
Movies
1 /month
25% off on District app (up to Rs 100)
Dining
20% off at 1,500+ restaurants
Quick Analysis
Best lifetime free card for those who value low interest rates and basic benefits.
Pros
- Lifetime free - no annual fee. Very low 9% APR. 10X rewards on high spends. Railway lounge access. 25% off on movies. Personal accident cover
Cons
- No airport lounge access. Rs 99 redemption fee. Rewards not on fuel/insurance
Best For
New credit users, EMI users, those seeking low interest rates
Not Ideal For
Travelers seeking airport lounge, premium benefit seekers
Frequently Asked Questions
What is the annual fee for IDFC FIRST Millennia?
The annual fee is Rs. 0.
What are the eligibility requirements for IDFC FIRST Millennia?
A good credit score of 700+ is recommended. Income requirements vary based on your relationship with the bank.
Does IDFC FIRST Millennia offer lounge access?
Yes, the card offers complimentary airport lounge access.
What rewards does IDFC FIRST Millennia offer?
The card offers reward value ranging from 0.75% to 2.50% depending on spend categories.
What is the forex markup on international transactions?
The forex markup is 3.50% on international transactions.
Which payment network does IDFC FIRST Millennia use?
The card is issued on the Visa network.
User Reviews
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