IDFC FIRST Millennia Credit Card – Lifetime Free with 3X Reward Points on All Spends

Apply Now

Card Fees

Life-time Free (LTF)

Joining Fees

Life-time Free (LTF)

Annual Fees

3.5%

Foreign Transaction Fee

42%

APR

0

Over-limit Fee

Eligibility Criteria

21

Minimum & maximum age criteria

₹25,000

Minimum monthly income

750

Minimum credit score

Category

, , ,

Minimum Credit Score Required

750

Annual Charges

Life-time Free (LTF)

Features

  • Up to 10X reward points on spends
  • Lifetime-free with zero annual fees
  • Complimentary railway lounge access

Welcome Offer

  • ₹500 voucher on initial spends

The IDFC FIRST Millennia Credit Card offers lifetime-free membership with up to 10X reward points, movie discounts, complimentary railway lounge access, and interest-free cash withdrawals.

Written By:

Aftab Memon

Last Updated:

May 5, 2025

Key Features

  • Reward Points:
    • 6X reward points on online spends up to ₹20,000/month.
    • 10X reward points on spends above ₹20,000/month and on birthday transactions.
    • 3X reward points on offline spends.
    • Reward points do not expire.​
  • Welcome Benefits:
    • ₹500 gift voucher upon spending ₹15,000 within the first 90 days.
    • 5% cashback on the first EMI transaction within 90 days.
  • Travel Benefits:
    • 4 complimentary railway lounge visits per quarter.
    • Roadside assistance worth ₹1,399.
  • Dining & Entertainment:
    • Up to 20% off at over 1,500 restaurants.
    • 25% discount on movie tickets up to ₹100 once a month.
  • Fuel Surcharge Waiver:
    • 1% fuel surcharge waiver up to ₹300 per month
  • Cash Withdrawals:
    • Interest-free cash withdrawals for up to 48 days.​
  • Insurance Benefits:
    • Personal accident cover of ₹5 lakh.
    • Lost card liability cover up to ₹25,000.​
  • Additional Benefits:
    • No reward redemption fee.
    • No over-limit charges.
    • EMI conversion on transactions above ₹2,500

Fees and Charges

Charge TypeAmount
Joining Fee₹0
Annual Fee₹0
Foreign Transaction Fee3.5% of transaction amount
Over-limit Fee₹0
Late Payment Fee15% of total due (₹100–₹1,000)

Pro and Cons:

Pros:

  • Lifetime-free with no hidden charges.
  • High reward points with no expiry.
  • Comprehensive travel and dining benefits

Cons:

  • No airport lounge access.
  • Reward benefits optimized on higher spends.​

How to Apply

Apply Now
  • Click on “Apply Now”
  • Fill in Personal Details
  • Upload Required Documents
  • Submit Application
  • Approval & Card Dispatch

Additional Information

  • Ideal for young professionals seeking rewards.
  • No expiry on reward points earned.
  • Interest-free cash withdrawals for up to 48 days
  1.  What are the welcome benefits of the IDFC FIRST Millennia Credit Card?
    • Upon spending ₹15,000 within the first 90 days, you receive a ₹500 gift voucher. Additionally, a 5% cashback is offered on the first EMI transaction within 90 days.​
  2. Are there any annual or joining fees?
    • No, the IDFC FIRST Millennia Credit Card is lifetime-free with zero joining and annual fees.
  3. What are the reward point benefits?
    • You earn 6X reward points on online spends up to ₹20,000/month, 10X on spends above ₹20,000/month and on your birthday, and 3X on offline spends.​
  4. Do reward points expire?
    • No, the reward points earned on this card do not expire.​
  5. Does the card offer lounge access?
    • Yes, you get 4 complimentary railway lounge visits per quarter.
  6. Is there a fuel surcharge waiver?
    • Yes, a 1% fuel surcharge waiver is provided up to ₹300 per month.​
  7. What is the minimum income requirement?
    • A minimum monthly income of ₹25,000 is required to be eligible for this card.

Related finds:

  1. IndusInd Platinum Aura Edge: Earn More Reward Points in 2025
  2. ICICI Coral RuPay Card: Lounge Access and Reward Points Simplified in 2025
  3. Kotak 811 Credit Card: Lifetime Free with Amazing Rewards for 2025
  4. Axis Bank Magnus Credit Card – Complimentary Flight Vouchers + 12X Reward Points [2025]

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

Email : [email protected]

Quick Link

Credit Cards

Credit Cards by Provider

Weekly Newsletter

Get blog articles and offers via email

All Rights Reserved.

Code & Creativity by ConicPlex