IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
Apply for IDFC FIRST Millennia Credit Card
Processing time: 7–10 working days | Instant approval available
The IDFC FIRST Millennia Credit Card is a lifetime-free rewards credit card designed for everyday spending and online shopping. It offers a simple rewards structure with higher reward points on eligible online transactions, making it suitable for first-time credit card users and regular digital spenders. The card also provides basic travel convenience through complimentary domestic airport lounge access, along with features like contactless payments, EMI conversion, and international usage. With no joining or annual fees, it delivers steady value without long-term cost commitments.
Features of IDFC FIRST Millennia Credit Card which makes it unique
Lifetime Free Credit Card
The IDFC FIRST Millennia Credit Card comes with zero joining and annual fees, allowing cardholders to earn rewards without worrying about recurring costs.
Unlike many rewards cards that charge annual fees, this card remains free for life.
Higher Rewards on Online Spends
Cardholders earn higher reward points on online shopping and digital transactions compared to regular offline spends.
Enhanced reward points on eligible online transactions
Offers better online rewards than basic entry-level credit cards.
Domestic Airport Lounge Access
Provides access to select airport lounges in India, adding basic travel comfort for cardholders.
Complimentary access to select domestic lounges
Many lifetime-free cards do not offer lounge access.
Rewards Structure of IDFC FIRST Millennia Credit Card
All Retail Spends
baseAll eligible card spends
Rewards applicable on most retail transactions
Base Reward Earnings: Earn 3 reward points for every ₹150 spent on eligible retail purchases. Certain categories such as fuel, cash withdrawal, EMI, and wallet loads may be excluded as per MITC.
Online Shopping
acceleratedEligible online transactions
Higher rewards on online spends
Bonus Rewards on Online Spends: Accelerated reward points are applicable on eligible online transactions made through merchant websites and apps, subject to merchant classification.
Dining & Entertainment
acceleratedRestaurant, dining, and entertainment spends
Enhanced rewards on lifestyle categories
Dining & Entertainment Rewards: Earn accelerated reward points on dining, movies, and entertainment spends, subject to merchant category codes and exclusions.
Milestones of IDFC FIRST Millennia Credit Card
No Spend-Based Milestones
Not applicable : Not applicable
No Milestone Benefits: The IDFC FIRST Millennia Credit Card does not offer spend-based milestone rewards. Cardholders earn rewards through regular spending benefits as per the applicable reward structure.
Fees & Charges of IDFC FIRST Millennia Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 1 of the withdrawn amount (Minimum charge: ₹199 per transaction)1 of the withdrawn amount (Minimum charge: ₹199 per transaction) |
| Late Payment Fee | 0%if Total Payment Due is less than 100 |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹450 |
| Cash Withdrawal Fee | ₹199or 1% of the transaction amount |
Renewal Conditions:There is no annual or renewal fee, and the card is automatically renewed as long as the account remains active and in good standing, subject to bank policies.
Fee Explanation No annual fee. Charges apply only for specific services like cash withdrawal, late payment, or failed payments, as per MITC.
Detailed Explanation of IDFC FIRST Millennia Credit Card Fees
Cash Withdrawal (Cash Advance): ₹199 per transaction (Per transaction)
Interest applicable from the date of withdrawal
ATM Cash Withdrawal Charges: Charged for domestic and international cash withdrawals using the credit card. Finance charges apply immediately until repayment, as per MITC.
Returned Payment Fee: ₹450 (Per instance)
Applicable if a payment fails or is returned
Failed Payment Charge: Levied when a credit card bill payment is returned due to insufficient funds, incorrect details, or technical rejection.
Late Payment Fee: Up to ₹1,300 (based on outstanding amount) (Per billing cycle)
Applicable if minimum amount due is not paid by the due date
Late Payment Charges: Late payment fees depend on the total outstanding balance and are charged as per the bank’s Schedule of Charges under MITC.
Over Limit Fee: Nil (Not applicable)
No charge for exceeding credit limit
No Overlimit Charges: IDFC FIRST Bank does not levy any over-limit fee on credit cards, as per MITC.
Lounge Access Benefits with IDFC FIRST Millennia Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Complimentary domestic lounge access is subject to minimum spend conditions, eligible airports, and lounge partner availability, as specified by IDFC FIRST Bank from time to time.
Domestic Lounge Access (Spend-Based): The IDFC FIRST Millennia Credit Card provides complimentary access to select domestic airport lounges in India. Access is not unlimited and may require meeting minimum spending criteria in the previous billing cycle. Guest access is not included. Terms and eligible lounges may change as per bank policy.
international Lounges
silverVisits per year: 0
Guest access: No
International airport lounge access is not available on this card.
No International Lounge Access: The IDFC FIRST Millennia Credit Card does not provide complimentary international airport lounge access. Lounge benefits, if any, are limited to select domestic lounges in India and are subject to applicable terms and conditions.
Additional Features of IDFC FIRST Millennia Credit Card
Lifetime Free Credit Card
No joining fee or annual fee throughout the card’s validity.
Subject to account being in good standing.
No Annual Charges: The IDFC FIRST Millennia Credit Card is a lifetime free card, making it suitable for users who want rewards without recurring fees.
Contactless Payments
Supports tap-and-pay transactions for quick and secure payments.
Available at compatible POS terminals.
Tap & Pay service: Enables faster checkout for small-value transactions without swiping or inserting the card.
Interest-Free Credit Period
Up to 48 days of interest-free period on retail purchases.
Applicable when total outstanding is paid in full by the due date.
Interest-Free Window: Helps manage short-term expenses without incurring interest charges when bills are cleared on time.
EMI Conversion Facility
Eligible purchases can be converted into EMIs.
Applicable interest rates and processing fees may apply.
Easy EMI Option: Allows flexible repayment of higher-value purchases through monthly instalments.
Welcome Bonus with IDFC FIRST Millennia Credit Card
Welcome Bonus: 5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation.
Bonus Conditions: 3X Reward Points Till Spends of ₹20,000. 10X Reward Points After Incremental Spends of ₹20,000
Application Process for IDFC FIRST Millennia Credit Card
Processing Time
7–10 working days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online by filling in your basic details.
Online Application: Visit the official IDFC Bank website, choose the credit card, and complete the online application form with basic personal and financial details.
Upload necessary KYC documents
KYC Verification: Submit required KYC documents such as Aadhaar, PAN, and address proof online to complete the verification process.
Receive verification call
Tele Verification: A verification call may be made by the bank to confirm application details and complete the approval process.
Card dispatched within 7 days
Card Delivery: Once approved, the credit card is dispatched to your registered address and is typically delivered within 7 working days.
Required Documents for IDFC FIRST Millennia Credit Card
ID Proof
Salaried, Self-EmployedAccepted documents:
Identity Proof: A valid PAN card is mandatory for credit card application and credit assessment.
Address Proof
Salaried, Self-EmployedAccepted documents:
Residential Proof: Any one valid address proof may be submitted as per bank guidelines.
Income Proof (Salaried)
SalariedAccepted documents:
Income Verification: Income documents help assess repayment capacity and credit eligibility.
Income Proof (Self-Employed)
Self-EmployedAccepted documents:
Business Income Proof: Self-employed applicants may be required to submit income or business-related documents as per bank policy.
IDFC FIRST Millennia Credit Card Merchant Acceptance Network
Domestic Acceptance
Accepted across India at all domestic merchants that support IDFC FIRST Bank credit cards, including retail stores, service providers, restaurants, and business establishments.
International Acceptance
Accepted at international merchants worldwide that support the applicable card network, subject to international usage being enabled and applicable foreign currency charges.
Online Acceptance
Accepted on Indian and international e-commerce websites, mobile apps, and online service platforms that support credit card payments.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for IDFC FIRST Millennia Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹299,995
Minimum annual income
Self-Employed Applicants
₹400,000
Minimum annual income
Who Can Apply
Important Conditions
- PAN card photocopy or Form 60
- Proof of income - Latest payslipIT Return
- Residence proof - Driving License Landline Telephone Bill
How Approval Is Decided
- Minimum income ₹25,000/month for salaried
- Indian resident only
- Credit score above 750
Pros of IDFC FIRST Millennia Credit Card
- Lifetime Free Credit CardNo Annual Fees: The card has no joining or annual fee, making it suitable for long-term use without recurring costs.
- Good Reward Rate on Online SpendsStrong Online Rewards: Offers higher reward points on eligible online transactions compared to offline spends.
- Domestic Airport Lounge AccessTravel Convenience: Provides complimentary access to select domestic airport lounges in India, subject to spend conditions.
Cons of IDFC FIRST Millennia Credit Card
- No International Lounge AccessLimited Travel Benefits: The card does not offer complimentary international airport lounge access.
- No Airline or Hotel Transfer PartnersNo Loyalty Program Tie-ups: Reward points cannot be transferred to airline or hotel loyalty programs.
- Rewards Excluded on Some CategoriesSpending Exclusions: Certain transactions such as fuel, wallet loads, and government payments may not earn reward points.
Frequently Asked Questions about IDFC FIRST Millennia Credit Card
Which transactions do not earn reward points?
Transactions such as fuel purchases, wallet loads, cash withdrawals, EMI conversions, and government payments may not earn reward points.
Refer to the bank’s MITC for the complete list of excluded categories.Is the IDFC FIRST Millennia Credit Card lifetime free?
Yes, the IDFC FIRST Millennia Credit Card is a lifetime free card with no joining or annual fees.
The card remains free as long as the account is active and in good standing.What kind of rewards does the IDFC FIRST Millennia Credit Card offer?
The card offers reward points on eligible spends, with higher rewards on online transactions compared to regular offline spends.
Reward eligibility depends on merchant category and transaction type.Does the IDFC FIRST Millennia Credit Card provide airport lounge access?
Yes, the card offers complimentary access to select domestic airport lounges in India, subject to applicable spend conditions.
Lounge access terms and eligible lounges may change as per bank policy.Is international usage allowed on the IDFC FIRST Millennia Credit Card?
Yes, the card can be used for international online and offline transactions, subject to foreign currency markup charges.
International usage must be enabled and is governed by bank terms.Who should apply for the IDFC FIRST Millennia Credit Card?
The card is best suited for online shoppers, first-time credit card users, and individuals looking for a lifetime-free rewards card.
Ideal for everyday spending rather than premium travel benefits.Add Your Review
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