IDFC FIRST Bank
IDFC First Millennia Credit Card
Annual Fee
FREE
Base Reward
1.67% cashback
Foreign Markup
3.50%
Welcome Benefits
Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
Product Highlights
- Lifetime free card with no annual fee.
- 10X reward points on spends above ₹20,000.
- 4 complimentary railway lounge visits per quarter.
Category Rewards
shopping
1.67% CashBack
1.67%
travel
1.67% CashBack
1.67%
Rewards Details
10X reward points on spends above ₹20,000, 10X reward points on transactions made on your birthday, 6X reward points on every online purchase, 3X reward points on all offline expenses, and 1 reward point for every ₹100 spent.
Redemption
1 reward point = ₹0.25 against statement.
Benefits & Features
Domestic: 4 complimentary visits per quarter via railway lounges. Complimentary lounge access with 4 visits per quarter at railway lounges. No airport lounge access provided.
Pros & Cons
Pros
- Lifetime free card with no annual fee.
- 10X reward points on spends above ₹20,000.
- 4 complimentary railway lounge visits per quarter.
- 1% fuel surcharge waiver at all petrol pumps.
Cons
- No access to airport lounges.
- Reward points cannot be earned on fuel, EMI, and insurance transactions.
- Convenience fee of ₹99 for redemption of reward points.
Additional Info
Important: Reward points never expire.
A convenience fee of ₹99 is levied on the redemption of Reward Points.
The card does not provide concierge services.
Excluded Categories
Fees & Charges
Eligibility
Min Age
21 yrs
Networks