MyFinCards
FIRST Millennia

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

IDFC FIRST Bank
Rewards
Shopping
Lifestyle
Best For: Young earners and millennials, Online shoppers, Dining and lifestyle spenders, Those seeking a no-fee rewards card

FIRST Millennia

Rewards Structure

Base Reward Rate

3% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹20,000 /statement_cycle

Pros

  • Lifetime-free card with no joining or annual fee
  • Never-expiring reward points
  • 10X rewards on spends above ₹20,000 per statement cycle and birthday
  • Interest-free cash withdrawals up to 45 days
  • Low APR starting at 8.5% per annum
  • Complimentary railway lounge access (4 per quarter)
  • 25% off on movie tickets monthly
  • 1% fuel surcharge waiver
  • Personal accident and lost card liability cover
  • 24/7 roadside assistance

Cons

  • UPI activation requires ₹199 fee
  • Reward redemption attracts ₹99 + GST convenience charge per redemption
  • Cash withdrawal fee of ₹199 + GST per transaction
  • Railway lounge access requires ₹20,000 spend in current month

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel, EMI transactions, and cash withdrawals excluded from reward program

Rental, Property Management, Government Services, Education, Wallet Load, Utility, Insurance, FASTag Recharges, and Railway Spends do not count towards 10X milestone

Welcome voucher requires ₹5,000 spend within 30 days of card generation

UPI transactions excluded from welcome gift voucher eligibility

Key Benefits & Features

24/7 Roadside Assistance worth ₹1,399 complimentary, valid up to 4 times a year.

Eligibility Criteria

Min. Annual Income

₹3.0 Lakhs

Occupation

SALARIED

Notable Exclusions

No reward points on Fuel transactionsNo reward points on EMI transactionsNo reward points on Cash withdrawalsRental & Property Management, Government Services, Education, Wallet Load transactions earn 3X but do not count towards 10X milestoneUtility, Insurance, FASTag Recharges and Railway Spends earn 1X reward points and do not count towards 10X milestoneWelcome gift voucher not applicable on UPI, Add-on card transactions, wallet load, EMI converted transactions & ATM cash withdrawalEMI cashback offer not applicable on gold and jewellery transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About FIRST Millennia

The FIRST Millennia Credit Card from IDFC FIRST Bank is a lifetime-free credit card designed for trendsetters and young earners who want to make the most of their everyday spending. With no joining or annual fee, this card turns shopping, dining, and online purchases into rewarding experiences through never-expiring reward points that never go to waste. Cardholders enjoy a rich suite of benefits, including 10X reward points, up to 3X reward points on UPI spends, and accelerated bonus points on flight and hotel bookings through the IDFC FIRST Bank Mobile App. Welcome perks include a ₹500 gift voucher from popular brands like Amazon, BigBasket, Uber, and Lifestyle, plus up to ₹1,000 cashback on the first EMI transaction. Everyday privileges include 25% off on movie tickets via District by Zomato, a 1% fuel surcharge waiver, complimentary railway lounge access four times per quarter, and 300+ merchant offers year-round with discounts at restaurants and health and wellness outlets. The card also offers meaningful financial flexibility with low interest rates starting at just 8.5% per annum, interest-free ATM cash withdrawals for up to 45 days, and easy EMI conversion on eligible transactions. Additional protections include a personal accident cover of ₹2,00,000, a lost card liability cover of ₹25,000, and 24/7 complimentary roadside assistance, making the FIRST Millennia Credit Card a well-rounded choice for modern, value-conscious consumers.

Expert Review

Our Verdict

Lifetime-free card with 10X never-expiring rewards, movie discounts, and fuel waiver for young earners.

Frequently Asked QuestionsAbout FIRST Millennia

FEESIs there a joining or annual fee on the IDFC FIRST Bank Millennia Credit Card?
No, the IDFC FIRST Bank Millennia Credit Card is completely lifetime-free. There are no joining, membership, or annual fees, making it a cost-effective choice for cardholders seeking premium benefits without any recurring charges. You can enjoy all the card's benefits without worrying about paying any fees year after year.
FEESWhat is the interest rate (APR) on the FIRST Millennia Credit Card?
The Annual Percentage Rate (APR) on the IDFC FIRST Bank Millennia Credit Card ranges from 8.5% to 46.2% per annum. IDFC FIRST Bank is one of the first banks in India to offer credit card interest rates as low as 8.5% p.a., making it one of the most competitive options available in the market for cost-conscious cardholders.
USAGECan I use my FIRST Millennia Credit Card to withdraw cash at an ATM?
Yes, cash withdrawals are allowed at ATMs both domestically and internationally. A one-time fee of ₹199 + GST applies per transaction. Importantly, there is no interest charged for up to 45 days on cash withdrawals, which is a unique benefit that helps you manage short-term cash needs without incurring heavy interest costs.
ELIGIBILITYWhat are the eligibility criteria for the FIRST Millennia Credit Card?
To be eligible for the FIRST Millennia Credit Card, you need to have an annual income of ₹3 lakhs (₹3,00,000) or more. This makes it accessible to young earners and first-time credit card applicants. Additional eligibility criteria such as credit score, age, and employment status may also be evaluated during the application process.
REWARDSHow does the reward points program work on the FIRST Millennia Credit Card?
The FIRST Millennia Credit Card offers a tiered reward points structure: 10X reward points on incremental spends above ₹20,000 per statement cycle and on your birthday spends; 3X reward points on spends up to ₹20,000 in a statement cycle; and 1X reward points on insurance premium payments and utility bill payments. Every 1 reward point equals ₹0.25 in value, and 1X means 1 reward point per ₹200 spent. Reward points never expire.
REWARDSDo reward points on the FIRST Millennia Credit Card expire?
No, reward points earned on the FIRST Millennia Credit Card never expire. You can accumulate your points over time and redeem them at your convenience without worrying about a deadline. However, please note that reward redemption attracts a small convenience charge of ₹99 + GST per redemption transaction.
REWARDSWhich transactions are excluded from earning reward points?
Reward points are not applicable on fuel purchases, EMI transactions, and cash withdrawals. Additionally, transactions in categories such as Rental & Property Management, Government Services, Education, Wallet Load, FASTag Recharges, and Railway Spends do not count towards the 10X spends milestone. Utility, Insurance, FASTag Recharges, and Railway Spends earn only 1X reward points and are also excluded from the milestone calculation.
BENEFITSWhat welcome benefits do I get with the FIRST Millennia Credit Card?
New FIRST Millennia cardholders can enjoy two welcome benefits: (1) A ₹500 gift voucher from brands like Amazon, BigBasket, Uber, or Lifestyle upon spending ₹5,000 or more within 30 days of card generation. (2) Up to ₹1,000 cashback (5% cashback) on your first EMI transaction within the first 30 days of card generation. Both offers are subject to specific terms and conditions.
BENEFITSWhat lifestyle and entertainment benefits does the FIRST Millennia Credit Card offer?
The FIRST Millennia Credit Card offers a range of lifestyle benefits including: 25% off (up to ₹100) on movie tickets every month via the District by Zomato app; 4 complimentary railway lounge visits per quarter (requires ₹20,000 spend in the current calendar month); 1% fuel surcharge waiver up to ₹200 per month on transactions between ₹200 and ₹5,000; up to 20% off at 1,500+ restaurants; and up to 15% off at 3,000+ health and wellness outlets.
BENEFITSDoes the FIRST Millennia Credit Card provide any insurance coverage?
Yes, the FIRST Millennia Credit Card offers comprehensive insurance coverage including a Personal Accident Cover of ₹2,00,000 and a Lost Card Liability Cover of ₹25,000. These covers are valid provided you have made at least one transaction on your FIRST Millennia Credit Card in the last 30 days. Additionally, complimentary Roadside Assistance worth ₹1,399 is available up to 4 times per year.
FEESCan I activate UPI on my FIRST Millennia Credit Card and are there any charges?
Yes, you can activate UPI on your FIRST Millennia Credit Card. A one-time UPI activation fee of ₹199 + GST applies. As a limited-period offer, you can earn 100% cashback of up to ₹200 (₹50 each on your first 4 UPI transactions) after activation. Once activated, you can earn up to 3X reward points on your UPI spends using the card.
APPLICATIONHow can I apply for the FIRST Millennia Credit Card?
You can apply for the FIRST Millennia Credit Card online through the IDFC FIRST Bank website or mobile banking app. The application process is completely digital and paperless. After submitting your application, you will be required to complete a Video KYC (VKYC) process. Upon successful verification, the card can be issued quickly — some customers report receiving their card the very next day after completing VKYC.
USAGEHow can I redeem my reward points earned on the FIRST Millennia Credit Card?
You can redeem your reward points through the IDFC FIRST Mobile Banking App. Points can be redeemed for flight and hotel bookings via the 'FIRST Rewards Gallery' section in the app, as well as for other rewards and merchant offers. Please note that each reward redemption attracts a convenience charge of ₹99 + GST. Reward points are valued at ₹0.25 per point.
REWARDSAre there any bonus reward points on travel bookings with the FIRST Millennia Credit Card?
Yes, the FIRST Millennia Credit Card offers accelerated reward points on travel bookings made through the 'FIRST Rewards Gallery' section on the IDFC FIRST Bank Mobile App. You can earn 33% bonus reward points on all hotel bookings and 13% bonus reward points on all flight bookings, over and above your regular credit card reward program earnings.
USAGEHow can I manage my FIRST Millennia Credit Card through the mobile app?
The IDFC FIRST Bank Mobile App allows you to manage all aspects of your FIRST Millennia Credit Card. You can access your virtual credit card, view transaction details, e-statements, and outstanding amounts. You can also control card usage settings such as online, contactless, and international transactions, set or reset your card PIN, pay your credit card bill through multiple options or set up autopay, and discover curated merchant offers and redeem reward points.

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