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IDFC FIRST BankIDFC FIRST BankLifetime Free

IDFC FIRST Millennia

4.58,000 reviewsEntry LevelLTF
Welcome offer₹500 Voucher
Annual fee
Lifetime Free
Reward rate
10X on >₹20k spend
Credit score
700+
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Free to apply via CardGuruji · subject to issuer approval

IDFC FIRST Millennia
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

10X on >₹20k spend

Points never expire

Reward currency
Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Lifetime Free

  • Railway Lounge

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • LTF

  • Railway Lounge

What to watch out for

  • No airport lounge

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
3.5%
Late payment
15%
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
0.75-3.5%
Balance transfer
0.75%
Cash advance
250
Eligibility

Will you qualify?

The credit profile this card is typically approved for.

700+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of IDFC FIRST Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about IDFC FIRST Millennia

Everything you need to know about IDFC FIRST Millennia fees, reward conversion, lounge access, and application eligibility.

The joining fee for IDFC FIRST Millennia is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for IDFC FIRST Millennia from IDFC FIRST Bank, a CIBIL score of 700 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

IDFC FIRST Millennia is designed to reward everyday spends. It currently features: "₹500 Voucher". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via IDFC FIRST Bank's rewards portal.

Yes, IDFC FIRST Millennia offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for IDFC FIRST Millennia directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.