IDFC FIRST Millennia Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Entry
The IDFC FIRST Millennia Credit Card is an Entry Visa credit card issued by IDFC FIRST Bank, best suited for young professionals. It carries a joining fee of NIL, with an interest rate of 2.99% per month. Key benefits include Mid-tier rewards, 10X rewards, and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month). On fees — Lounge access: 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month); Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹4,00,000/year to qualify. It falls under the Entry-level, Travel, and Fuel category on CreditCardHunt.
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Why Choose the IDFC FIRST Millennia Credit Card?
The IDFC FIRST Millennia Credit Card is a Entry-tier Visa credit card issued by IDFC FIRST Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Young professionals. With a reward rate of 10X rewards and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
IDFC FIRST Millennia Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 2.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
IDFC FIRST Millennia Credit Card Rewards & Benefits
| Reward Rate | 10X rewards |
|---|---|
| Welcome Bonus | None |
| Lounge Access | 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month) |
| Best For | Young professionals |
Key Highlights of the IDFC FIRST Millennia Credit Card
- Mid-tier rewards
- 10X rewards
- 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month)
IDFC FIRST Millennia Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹4,00,000/year
Minimum Income Required: ₹4,00,000/year
Advantages of the IDFC FIRST Millennia Credit Card
- Good rewards LTF — a built-in advantage for cardholders.
Drawbacks of the IDFC FIRST Millennia Credit Card
- Before applying, factor in no lounge.
IDFC FIRST Millennia Credit Card — Frequently Asked Questions
What is the annual fee of the IDFC FIRST Millennia Credit Card?
The IDFC FIRST Millennia Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the IDFC FIRST Millennia Credit Card offer airport lounge access?
Yes — the IDFC FIRST Millennia Credit Card offers 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month).
Who is eligible for the IDFC FIRST Millennia Credit Card?
The minimum income requirement is ₹4,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IDFC FIRST Millennia Credit Card?
The IDFC FIRST Millennia Credit Card earns 10X rewards. It is best suited for Young professionals.
Credit Cards Similar to the IDFC FIRST Millennia Credit Card
If you are considering the IDFC FIRST Millennia Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.4/5