IDFC FIRST Millennia Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC First Bank
Network: Visa | Tier: Entry
The IDFC FIRST Millennia Credit Card is an entry-level, lifetime-free card targeted at young professionals. It features a tiered reward structure that accelerates on higher spending tiers, along with lifestyle perks like movie discounts and railway lounge access.
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 Accelerated online rewards and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with Cashback/reward activation benefits, 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 | Accelerated online rewards |
|---|---|
| Welcome Bonus | Cashback/reward activation benefits |
| Lounge Access | Limited domestic lounge access |
| Best For | Young professionals |
Key Highlights of the IDFC FIRST Millennia Credit Card
- Mid-tier rewards
- 10X rewards
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
- Completely lifetime free with zero annual or renewal charges
- 10X accelerated rewards on monthly spends over ₹20
- 000 and on birthdays
- Points carry lifetime validity and never expire
- Includes 4 complimentary railway lounge visits per quarter
- Up to 45 days of interest-free ATM cash withdrawals
Drawbacks of the IDFC FIRST Millennia Credit Card
- Low baseline reward rate (0.5%) on regular monthly spends below ₹20
- 000
- No complimentary airport lounge access included
- A standard ₹99 convenience fee is charged on every reward redemption
- Excludes fuel
- insurance
- and EMI transactions from earning rewards
- High standard foreign currency markup fee of 3.5%
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 Cashback/reward activation benefits 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 Limited domestic lounge access.
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 Accelerated online 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 State Bank of India (SBI) — 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
Expert Rating: 4.4/5