IDFC FIRST Bank
FIRST Millennia
Lifetime freeZero forexEntry
Checked 2 Oct 2026 ·
Annual fee₹0for life
Forex markup0%
Interest≤ 3.85%a month
NetworkVisa
You earn
Perks & rules
What changed
18 Jun 2026Railway lounge now 1 visit a quarter (the older guide said 4 a quarter on ₹20,000 monthly spend)
18 Jun 2026Forex markup cut to zero; international spends earn 10X
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate3X = 3 points per ₹200 (0.375%) on eligible spends
Higher rates
- Dining, travel, international, birthday: 10X = 10 points per ₹200 (1.25%) on dining, travel, international spends and on your birthday
- App hotel & flight bookings: Extra 20% bonus points on hotels, 10% on flights booked in the IDFC FIRST app (FIRST Rewards Gallery)
- Utilities, insurance, rail, FASTag: 1X = 1 point per ₹200 (0.125%) on utilities, insurance, railways and FASTag
Limits
- Points only on spends up to your credit limit each billing cycle
- App travel bonus: up to 8,000 bonus points a calendar month
Doesn't earn on
- Fuel, EMI transactions, cash withdrawals
Where it landsNot stated in the documents read
What a point is worth
Value1 point = ₹0.25 (bank's own figure)
Expiry24 months from the date credited
Redemption fee₹99 + GST per redemption
Welcome benefit
Welcome₹500 gift voucher of your choice once you meet the welcome spend condition
Milestones
MilestonesNone stated
Airport lounges
DomesticNo airport lounge. 1 railway lounge visit per calendar quarter (₹2 card check)
InternationalNone
Fuel
FuelNot stated in the current documents
Spending abroad
Forex markupZero markup
Fees
Joining feeNil (lifetime free)
Annual feeNil (lifetime free)
Fee waiverNot needed: no fee
If you pay late
Late fee15% of total amount due, min ₹100, max ₹1,300
Interest0.71%–3.85% a month (8.5%–46.2% a year), set by your credit history
Cash withdrawal₹199 + GST per withdrawal; no interest for up to 45 days
Who can apply
AgeNot stated on product page
SalariedAnnual income ₹3 lakh or more
Self-employedAnnual income ₹3 lakh or more
More perks
Perks
- 25% off movie tickets up to ₹100, once a month on District, if you made a transaction the previous month
- Roadside assistance up to 4 times a year (worth ₹1,399), via Global Assure
- Up to ₹1,000 cashback on your first EMI
- Interest-free ATM cash for up to 45 days
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- FIRST Millennia product page Product page · 2 Oct 2026
- FIRST Millennia Product Usage Guide Card guide · 2 Oct 2026
- FIRST Millennia Privileges (18 Jun 2026) Card T&C · 18 Jun 2026
- Bonus Reward Points on app flight & hotel bookings – T&C Card T&C · 2 Oct 2026
- IDFC FIRST Bank Credit Card MITC Fee schedule · 2 Oct 2026
- Welcome gift voucher – claim process & T&C Offer T&C · 2 Oct 2026
Card image: IDFC FIRST Bank's own website.
