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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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