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Lifetime FreeLast updated: 29 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
10X on >₹20k spend
Points never expire
The privileges that come bundled in, beyond the reward points.
Lifetime Free
Railway Lounge
An honest read on where this card earns its keep — and where it doesn't.
LTF
Railway Lounge
No airport lounge
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how IDFC FIRST Millennia stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about IDFC FIRST Millennia fees, reward conversion, lounge access, and application eligibility.
Yes, IDFC FIRST Millennia is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
IDFC FIRST Millennia earns Points at a primary rate of 10X on >₹20k spend. Specifically, Points never expire. Spends in Entry Level categories provide the maximum valueback per transaction on this card.
Yes, IDFC FIRST Millennia features complimentary airport lounge privileges. Privileges include: "Railway Lounge". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of IDFC FIRST Millennia. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
IDFC FIRST Millennia is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
IDFC FIRST Millennia levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
IDFC FIRST Millennia currently features a welcome offer: "₹500 Voucher". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include LTF and Railway Lounge. However, keep in mind that No airport lounge. Overall, IDFC FIRST Millennia delivers strong value if your regular spending aligns with Entry Level.
You can apply for IDFC FIRST Millennia directly through IDFC FIRST Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
