IDFC FIRST Bank | Lifetime Free RuPay Credit Card
IDFC FIRST Millennia Credit Card
Lifetime free credit card for everyday rewards & perks
No annual fees — Lifetime free credit card
Up to 10X reward points on dining, travel & international spends
25% off on movie tickets via District by Zomato every month
Last Updated: April 2026 | Reviewed by: RupayCreditCards Editorial Team
About This Card
IDFC FIRST Millennia Credit Card – lifetime free credit card for everyday rewards & perks
Effective 18th June 2026, certain features and Terms & Conditions on IDFC FIRST Bank Credit Cards will be revised. For details, please refer to the FAQs.
IDFC FIRST Millennia is a lifetime-free credit card from IDFC FIRST Bank — no joining fee, no annual fee, and no spend condition to waive it. The card earns 10X reward points on dining, travel, and international spends, 3X on general spends up to ₹20,000 per billing cycle, and 1X on utility, insurance, and FASTag payments. It also gives 25% off on movie tickets every month via District by Zomato, 4 complimentary railway lounge visits per quarter, and an interest rate starting from 8.5% per annum — one of the lowest in this category. The card works on the RuPay network and can be linked to UPI.
Welcome Offers
IDFC FIRST Millennia Credit Card Welcome Offers
₹500 gift voucher from choice of brands
- Choose a gift voucher worth ₹500 from brands like Amazon, BigBasket, Uber and Lifestyle on spending ₹5,000 or more within 30 days of card generation*.
- *30 days from the day you receive SMS/email confirmation that your card is issued.
- Spends of ₹5,000 within 30 days of card generation
- Spends is only eligible for Primary Card
- After meeting the spends criterion of ₹5,000, you will receive a SMS/email communication (within 4-5 working days) on your registered mobile number/email with a link to reward section of our mobile banking app.
- Click on the welcome benefit banner to pick a voucher of your choice. The voucher will be available for redemption up to 90 days of receiving the SMS/email.
- Not applicable on UPI, Add-on card transactions, wallet load, EMI converted transactions & ATM cash withdrawal.
- If any of the transactions are reversed/cancelled/disputed by the cardholder or merchant, that transaction will be excluded.
Up to ₹1,000 cashback on first EMI
- Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
- *30 days from the day you receive SMS/email confirmation of issued.
- This offer is applicable only on first EMI conversion within first 30 days of card generation.
- Eligible customers will receive cashback within 90 days of the offer end date.
- Transactions done on gold and jewellery are not eligible for EMI conversion.
- If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer.
- If any of the transactions are reversed/cancelled/foreclosed by the cardholder or merchant, that EMI transaction will be excluded. Similarly for any disputed transaction by the cardholder, that EMI transaction will be excluded.
Benefits & Features
IDFC FIRST Millennia Credit Card Exclusive Privileges
Lifestyle
25% off on movie tickets
- Get 25% off up to ₹100 on movie tickets booked via the District by Zomato mobile app every month.
- Note: Effective 18th June 2026, to avail the movie benefit in the next month, you need to stay spend-active with any transaction in the current calendar month.
- For example, to avail the movie benefit in July 2026, you must have made at least one transaction in June 2026 calendar month.
1% Fuel surcharge waiver
- Fuel surcharge waiver of 1%* up to ₹200 every month at fuel stations across India.
- *Applicable only on transactions between ₹200 and ₹5,000.
300+ Merchant offers, all year long!
- Up to 20% off at 1500+ restaurants and up to 15% off at 3000+ Health & Wellness outlets.
Travel
Complimentary railway lounge access
- Enjoy 4 complimentary railway lounge visits across India every quarter.
- Disclaimer: Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month.
ZERO convenience fees on flight bookings
- Get ZERO convenience fees on flight bookings with the IDFC FIRST Mobile Banking app powered by Tripstacc.
Earn bonus reward points on hotel bookings
- Earn bonus 20 Reward Points for every ₹100 spent on hotel bookings with the IDFC FIRST Mobile Banking app powered by Tripstacc.
Comprehensive Insurance
Accident and lost card liability cover
- Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000.
- Valid on making at least one transaction on the FIRST Millennia Credit Card in the last 30 days.
24/7 Roadside assistance
- Receive 24/7 roadside assistance for any emergencies while traveling.
- Complimentary Roadside Assistance worth ₹1,399. Valid up to 4 times in a year on your FIRST Millennia Credit Card.
Convenience Features
IDFC FIRST Millennia Credit Card: Convenient Features for Everyday Use
Instant EMI
Online Transactions
Instant EMI conversion for all online transactions on the bank's OTP page.
Low Interest Rates (APR)
From 8.5% p.a.
Low Interest rates (APR) starting at just 8.5% per annum.
ATM Cash Withdrawal
Up to 45 Days
Interest-free cash withdrawals from ATMs for up to 45 days.
UPI Benefits
IDFC FIRST Millennia Credit Card UPI Activation at Just ₹199
Joining & Annual Fee
₹199 + GST
Joining and Annual fee (2nd year onwards) of just ₹199 + GST.
Limited Period Offer
100% Cashback
100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions.
Reward Points
Up to 3X
Earn up to 3X reward points on your spends.
Why Choose This Card
Why IDFC FIRST Millennia Credit Card is perfect for you
No annual fees
- Lifetime free credit card
Easy EMI options
- Convert all eligible transactions into EMIs
300+ merchant offers
- Every deal gets sweeter with the First Millennia Credit Card
Fees & Charges
IDFC FIRST Millennia Credit Card Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining and Annual Fees | NIL |
| Interest rates / Annual Percentage Rate (APR) | From 8.5% – 46.2% per annum |
| Cash Withdrawals (Domestic and International ATMs) | 0% Interest for up to 45 days | ₹199 + GST per transaction |
Reward Points
IDFC FIRST Millennia Credit Card Reward Points
10X Reward Points
- On incremental spends above ₹20,000 per statement cycle* and spends done on your birthday.
- 1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25
- Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
- Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
- Rental & Property Management, Government Services, Education, Wallet Load, Utility, Insurance, FASTag Recharges and Railway Spends. These transactions will not be counted towards 10X spends milestone.
*Effective 18th June 2026:
- You will earn 10X Reward Points starting from very first eligible transaction – on Dining, Travel, and International purchases and spends done on your birthday. Earlier, 10X Reward Points were only unlocked after spending ₹20,000 in a billing cycle. Now, every eligible transaction in these categories gets you accelerated Reward Points right away.
- Reward Points will be valid for 24 months, giving you ample time to redeem them at your convenience i.e. Reward Points earned from July 2026 statement cycle will be valid for 24 months from the date they are credited.
- Reward Points will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points.
3X Reward Points
- On spends till ₹20,000 in a statement cycle*.
- 1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25
- Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
- Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
- Rental & Property Management, Government Services, Education and Wallet Load transactions will earn 3X reward points. These transactions will not be counted towards 10X spends milestone.
*Effective 18th June 2026:
- Reward Points will be valid for 24 months, giving you ample time to redeem them at your convenience i.e. Reward Points earned from July 2026 statement cycle will be valid for 24 months from the date they are credited.
- Reward Points will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points.
1X Reward Points
- On Utility bill payments, Insurance premium payments, Railway spends and FASTag recharges*.
- 1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25
- Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
- Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
- Utility, Insurance, FASTag Recharges and Railway Spends will earn 1X reward points. These transactions will not be counted towards 10X spends milestone.
*Effective 18th June 2026:
- Reward Points will be valid for 24 months, giving you ample time to redeem them at your convenience i.e. Reward Points earned from July 2026 statement cycle will be valid for 24 months from the date they are credited.
- Reward Points will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points.
Partner Offers
IDFC FIRST Millennia Credit Card: Deals You Can't Miss
Travel
- EaseMyTrip.com
- Adani One
- Ixigo
- Goibibo
Shopping
- Tata CLiQ
- Croma
- Myntra
- Lifestyle
EMI
- LG
- Vijay Sales
- OPPO
- Pepperfry
Dining
- Zomato
- Domino's
- Faasos
- District by Zomato
Our Verdict
RupayCreditCards.in Review
No annual fee — no conditions attached. Most free credit cards waive the fee only if you hit a spend target. IDFC FIRST Millennia charges nothing upfront and nothing every year, regardless of how much you spend.
10X rewards now start from the first transaction (from June 2026). Earlier, 10X points on this card kicked in only after ₹20,000 spend in a billing cycle. From 18th June 2026, dining, travel, and international transactions earn 10X from the first rupee itself. This makes the card useful even for moderate spenders.
25% off on movies — up to ₹100 per month. Book tickets on the District by Zomato app using this card. The saving is small individually but adds up to ₹1,200 a year on a zero-fee card. From June 2026, you need at least one transaction in the previous month to stay eligible for this benefit.
4 railway lounge visits per quarter — but spend-gated. You need to spend ₹20,000 in the current calendar month to unlock lounge access for the next month. Miss it once and you lose access for that month. The benefit is good but not as free as it sounds.
Interest rate starts at 8.5% per annum. Entry-level credit cards in India usually start APR at 36–42%. IDFC FIRST Millennia starts at 8.5% — much lower. Your actual rate depends on your credit score and can go up to 46.2%.
₹99 + GST per reward redemption. Every redemption has a fixed fee. If you redeem often in small amounts, this cost adds up and reduces the actual value of your points. Redeem in bulk to get better value.
Who should get this card: IDFC FIRST Millennia works best for someone who spends ₹15,000–₹25,000 per month on dining, online purchases, and everyday needs — and wants a free card with real benefits. After June 2026, it also suits regular diners and travelers who want 10X rewards without hitting a monthly spend threshold. It does not offer airport lounge access, and the ₹99 redemption fee is the main downside to factor in.
✅ What We Like
- Lifetime free — zero joining fee, zero annual fee, no spend condition
- 10X rewards on dining, travel & international from first transaction (June 2026)
- 25% off on movie tickets via District by Zomato — every month
- 4 railway lounge visits per quarter
- Interest rate from 8.5% p.a. — lowest in entry-level segment
- Interest-free ATM cash withdrawal for up to 45 days
- Welcome benefit up to ₹1,500 on early spends
- Personal accident cover ₹2 lakh + roadside assistance (4 times/year)
❌ What Could Be Better
- No airport lounge access
- Railway lounge needs ₹20,000 spend in the previous month
- ₹99 + GST charged on every reward redemption
- Movie benefit needs at least one transaction in the prior month (June 2026)
- Fuel, EMI, and several other categories earn zero reward points
- Reward points valid for 24 months only (from July 2026)
FAQs
IDFC FIRST Millennia Credit Card FAQs
Yes. IDFC FIRST Millennia is a good lifetime-free credit card. It has no annual fee, earns 10X rewards on dining and travel (from June 2026), gives 25% off on movie tickets every month, and offers 4 railway lounge visits per quarter. To get maximum reward points, you need to spend ₹20,000 or more per month. If your monthly spend is lower, the basic benefits like the movie discount and lounge access still hold.
You need a minimum annual income of ₹3 lakh to apply for IDFC FIRST Millennia Credit Card. Final approval depends on your credit score and IDFC FIRST Bank's internal policy at the time of application.
At present, only FIRST Classic, FIRST Millennia, FIRST Wealth, FIRST Select, FIRST Private, FIRST WOW!, and FIRST SWYP credit cardholders can get FIRST Digital RuPay Credit Card.
No, IDFC FIRST Millenia Credit Card does not offer airport lounge access. However, it offers 4 complimentary railway lounge visits every quarter.
No, IDFC Millennia Credit Card is a lifetime free card and does not charge any joining or annual fees.
Reward points earned before July 2026 do not expire. However, from July 2026, reward points will be valid for 24 months from the date they are credited. Points earned in the July 2026 billing cycle onwards will follow this new 24-month validity rule.
The minimum annual income required for IDFC FIRST Millennia Credit Card is ₹3 lakh. This works out to ₹25,000 per month. You will also need to submit income proof and KYC documents as required by the bank.
You can call the 24X7 helpline number 180010888 to contact IDFC FIRST Bank customer care.
To maximize rewards on IDFC FIRST Millennia Credit Card: (1) From June 2026, use the card for dining, travel, and international spends — these earn 10X from the first transaction. (2) Keep total spend above ₹20,000 per month to stay eligible for 10X on other categories as well. (3) Avoid redeeming points in small amounts — each redemption costs ₹99 + GST, so redeem in bulk for better value.
Yes, you can contact the customer service and ask if you are eligible for a credit card upgrade. Besides this, in case you become eligible for a better card, the bank also sends you an email or message regarding a credit card upgrade.
Ready to Apply for IDFC FIRST Millennia Credit Card?
Apply on the IDFC FIRST Bank website. Takes a few minutes and approval is usually within a few working days.
Apply on IDFC FIRST Bank Website →Approval is at IDFC FIRST Bank's sole discretion. We are not affiliated with IDFC FIRST Bank and do not process applications.