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Product Overview

IDFC FIRST Millennia

IDFC FIRST Millennia Credit Card is a lifetime-free credit card designed for everyday spending and young professionals. It offers reward points on all transactions, low interest rates, and benefits like lounge access, fuel surcharge waiver, and EMI options.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI
Age: 18 to 60 years
Salaried or self-employed individual
Minimum monthly income: ₹25,000+
Good CIBIL score (750+ preferred)

Features & Benefits

Lifetime free credit card (No joining & annual fee)
Earn 10X reward points on spends above ₹20,000/month
Earn 3X reward points on spends up to ₹20,000/month
Never-expiring reward points
Welcome benefit: ₹500 voucher on spending ₹5,000
4 railway lounge visits per quarter
1% fuel surcharge waiver across India
Interest-free cash withdrawal up to 45–48 days
EMI conversion on transactions above ₹2,500 

Fees & Charges

Joining Fee: Lifetime free credit card
Joining Fee: Nil
Annual Fee: Nil (Lifetime Free)
Interest Rate: 0.75% – 3.5% per month (approx.)
Cash Advance Fee: ₹199–₹500 (approx.)
Forex Markup: ~3.5%
Late Payment Charges: As per bank policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / DL / Voter ID etc.)
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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Yes, it has zero joining and annual fee for lifetime.

You get 3X rewards on regular spends and up to 10X on higher monthly spends.

No, reward points never expire.

Yes, railway lounge access is provided (quarterly basis).

First-time users and salaried individuals looking for a lifetime-free reward card.

Terms & Conditions

Reward points are subject to category exclusions
Lounge access may require minimum spend conditions
Approval is subject to IDFC FIRST Bank credit policy
Fees and benefits may change as per bank guidelines
Late payments may attract penalties and impact credit score

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Card At A Glance
Joining Fee Lifetime free credit card
Annual Fee Free
Rewards Lifetime free credit card (No joining & annual fee)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type IDFC BANK