IDFC FIRST Bank

VISA

FIRST Millennia

IDFC FIRST Bank FIRST Millennia

A lifetime-free entry-level card with elevated rewards on dining, travel and birthday spends.

fees-freefirst-timersdiningonline-shopping

Last reviewed 13 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: No joining or annual fee, for life

Eligibility

Min. CIBIL Score: 700+

Age: 21–65 yrs

Employment: salaried, self employed, business owner

Rewards

dining5x points

travel5x points

all other1.5x points

Welcome benefits

• ₹500 gift voucher on spend of ₹15,000 within 90 days of card issuance
• 5% cashback (up to ₹1,000) on your first EMI transaction within 90 days

Perks

✓Domestic lounge access: 16/yrRailway lounge access only (4 visits/quarter). No airport lounge access on this card; requires ₹20,000 spend in the preceding calendar month
✓Fuel surcharge waiver: 1%Capped at ₹300/month
✓Forex markup: 3.5%
✓Personal accident cover: ₹5 lakh
✓Lost card liability cover: ₹25,000
✓International transactions also earn the accelerated 10X rate (5 points per ₹100), same as dining and travel; not broken out as its own rewardStructure category here
✓Up to 20% dining discounts at 1,500+ partner restaurants
✓25% movie ticket discount (up to ₹100/month) via BookMyShow
✓Reward points capped at available credit limit per billing cycle
✓Reward points valid for 24 months from the date credited
✓Up to 48 days interest-free credit period

Common questions

What is the annual fee on the IDFC FIRST Bank FIRST Millennia?: The joining fee is ₹0. The annual fee is ₹0. No joining or annual fee, for life
What are the reward rates on the IDFC FIRST Bank FIRST Millennia?: IDFC FIRST Bank FIRST Millennia earns 5x points on dining, 5x points on travel, 1.5x points on all other spends.
Does the IDFC FIRST Bank FIRST Millennia offer airport lounge access?: Yes: 16 domestic lounge visits per year (Railway lounge access only (4 visits/quarter). No airport lounge access on this card; requires ₹20,000 spend in the preceding calendar month).
Who is eligible for the IDFC FIRST Bank FIRST Millennia?: Applicants typically need a minimum annual income of ₹3,00,000, a CIBIL Score of 700+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by IDFC FIRST Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Dining

₹

5x points

Travel

₹

5x points

Everything else

₹

1.5x points

Estimated annual value—

Apply now

Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹495

Up to

20x points

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Perks

✓Domestic lounge access: 16/yrRailway lounge access only (4 visits/quarter). No airport lounge access on this card; requires ₹20,000 spend in the preceding calendar month

✓Fuel surcharge waiver: 1%Capped at ₹300/month

✓Forex markup: 3.5%

✓Personal accident cover: ₹5 lakh

✓Lost card liability cover: ₹25,000

✓International transactions also earn the accelerated 10X rate (5 points per ₹100), same as dining and travel; not broken out as its own rewardStructure category here

✓Up to 20% dining discounts at 1,500+ partner restaurants

✓25% movie ticket discount (up to ₹100/month) via BookMyShow

✓Reward points capped at available credit limit per billing cycle

✓Reward points valid for 24 months from the date credited

✓Up to 48 days interest-free credit period

Common questions

What is the annual fee on the IDFC FIRST Bank FIRST Millennia?

The joining fee is ₹0. The annual fee is ₹0. No joining or annual fee, for life

What are the reward rates on the IDFC FIRST Bank FIRST Millennia?

IDFC FIRST Bank FIRST Millennia earns 5x points on dining, 5x points on travel, 1.5x points on all other spends.

Does the IDFC FIRST Bank FIRST Millennia offer airport lounge access?

Yes: 16 domestic lounge visits per year (Railway lounge access only (4 visits/quarter). No airport lounge access on this card; requires ₹20,000 spend in the preceding calendar month).

Who is eligible for the IDFC FIRST Bank FIRST Millennia?

Applicants typically need a minimum annual income of ₹3,00,000, a CIBIL Score of 700+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by IDFC FIRST Bank and can vary by application.

IDFC FIRST Bank FIRST Millennia

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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