IDFC First Millennia
by IDFC FIRST Bank · Data verified 2 days ago
10X Reward Points on all spends, lifetime free on ₹1.25L spend. Zero annual fee first year. Great for no-exclusion rewards.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10X on online
- Zero joining fee
- Good for new users
- Railway lounge access
Things to Consider
- Rewards capped
- New bank
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Dining, Travel, International, Birthday | — | |
| Other spends up to ₹20,000/month | — | |
| Spends above ₹20,000/month | — | |
| Insurance, Utilities, Railways, FASTag | — |
Travel Insurance
₹2L cover
Fuel Savings
₹200/mo
Purchase Protection
₹0 cover
Lost Card Cover
₹25,000
Movies
- •25% discount up to ₹100 on movie tickets once a month via Paytm app (Code: IDFCCCFM)
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •3X reward points on all spending up to ₹20,000/month
- •10X on incremental spends above ₹20,000
- •10X on international purchases
Travel
- •Complimentary Roadside Assistance all over India (up to 4 times/year, worth ₹1,399)
- •₹2,00,000 Personal Accident Cover
- •Complimentary travel insurance on card ticket purchases
- •4 complimentary railway lounge visits per quarter, subject to ₹20,000 monthly spend
Special Offers & Features
- •Education fee via third-party platforms: 1% fee (min ₹249)
- •FASTag recharge excess: 1% fee if exceeding ₹10,000 in a billing cycle
- •Railway spends excess: 1% fee if exceeding ₹25,000 in a billing cycle
- •0% interest ATM cash withdrawals for up to 45 days (₹199 withdrawal fee)
- •Lounge access is for railway lounges (not airport lounges)
- •Railway lounge: Spend ₹20,000/month to access benefits next month
- •5% cashback (up to ₹1,000) on first EMI transaction within 30 days — applicable only on Electronics category spends (MCC 5732, 5722, 5734)
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12 months
- •Interest rate: 12-22% p.a.
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC First Millennia
10X Reward Points on Dining, Travel & International — No Minimum Spend Required
IDFC First Millennia cardholders now earn 10X Reward Points on Dining, Travel, and International transactions from the very first transaction — the previous ₹20,000 minimum monthly spend requirement has been removed. Effective June 18, 2026.
Effective June 18, 2026. 10X reward points on Dining, Travel, and International purchases from first transaction. 3X on other retail spends. 1X on insurance, utilities, railways, FASTag. No reward points on fuel, EMI, or cash withdrawals. Dining and Travel identified via MCC codes.
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC First Millennia
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹25,000/month min
- • CIBIL: 700+ recommended
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC First Millennia today and unlock amazing rewards and premium experiences.
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