IDFC First Millennia Credit Card
IDFC First Bank · Visa
Why this card?
- 1.25% back in reward points on dining and food delivery, travel and international spends; 0.38% on other spends
- Lifetime free — no joining or annual fee
- Zero forex markup and 1% fuel surcharge waiver
Card details
- Issuer
- IDFC First Bank
- Network
- Visa
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 1.25% on dining
- Forex Markup
- Zero
- Domestic Lounge
- None
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
IDFC First Millennia is a lifetime-free card with a 0% forex markup and a fuel surcharge waiver — 10X points (about 1.25% back) on dining, travel, international purchases and birthday spends make it a good fit for those categories at zero annual fee. Everyday spends earn only about 0.375% back, and the card has no airport lounge benefit.
Pros
- 10X reward points (about 1.25% back) on dining, travel, international purchases and birthday spends
- 3X (about 0.375% back) on other eligible spends
- 0% forex markup
- Zero annual fee forever — no fee waiver condition to chase
Cons
- Utilities, insurance, railway and FASTag earn only 1X, and fuel, EMI and cash withdrawals earn nothing
- No cashback — points must be redeemed via IDFC First Bank app
- No airport lounge access