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Credit Cards / IDFC First Bank

FIRST Millennia Credit CardIDFC First Bank
IDFC First BankIDFC First Bank

FIRST Millennia Credit Card

VisaMastercardRuPay (UPI variant)
  • Lifetime free — zero joining and annual fees
  • Up to 10X reward points on dining, travel, international & birthday spends
  • ₹500 welcome voucher + 5% cashback (up to ₹1,000) on first EMI
  • 25% off movie tickets, 4 free railway lounge visits per quarter
  • Free roadside assistance worth ₹1,399, 4 times a year
Apply Now
📄 View Brochure (PDF)📄 View Terms & Conditions

Welcome Bonus

  • ₹500 Voucher from partner brands e.g. Amazon, Bigbasket, Uber, Lifestyle
  • ₹200 100% cashback up to ₹200 (₹50 each on first 4 UPI transactions), only if UPI add-on activated
  • ₹1,000 Cashback on first EMI transaction spend amount

Fees & Charges

Joining feeFree
Annual feeFree
RuPay digital UPI variant activation (joining + annual from 2nd year)₹199 + GST
Personalized image / add-on card₹499 + GST
Cash withdrawal fee₹199 + GST
Fuel surcharge waiver₹200 / per month
Reward redemption fee₹99 + GST
Interest rate (APR)8.5% – 46.2% p.a.
Balance transfer rate1.5% / month

Rewards

Earn 1 point per ₹200 spent (1 point ≈ ₹0.25)

10Xdining, travel, international spends, birthday spends
3Xall other eligible everyday spends
1Xutility bill payments, insurance premiums, railway spends, FASTag recharges
up to 3XUPI spends — Requires ₹199+GST UPI add-on activation
  • +20% bonus — Hotel bookings via FIRST Rewards Gallery
  • +10% bonus — Flight bookings via FIRST Rewards Gallery

No rewards on: fuel, EMI transactions, cash withdrawals

Points valid for 24 months

Eligibility

Age21 – 65 years
Minimum income₹3,00,000 / annual (or ₹25,000 / monthly)
ResidencyIndian resident with a current address in a city serviceable by IDFC FIRST Bank
Credit profileRequires a good credit score with no history of default or missed payments (no specific numeric score published)

Benefits

  • Interest-free ATM cash withdrawals for up to 45 days (₹199+GST fee per transaction applies)
  • 25% discount on movie tickets (up to ₹100) once a month via the District by Zomato app; requires at least one transaction in current month to unlock benefit next month
  • Complimentary 24/7 roadside assistance across India, up to 4 times a year (value ₹1,399)
  • 4 complimentary Railway Lounge accesses per quarter; requires ₹20,000 spend in current month to unlock access next month
  • Fuel surcharge waiver up to ₹200/month
  • Up to 20% discount across 1,500+ restaurants
  • 300+ year-round merchant offers; travel partners include EaseMyTrip, Adani One, ixigo, goibibo
  • Personal Accident Cover of ₹2 lakhs; Zero Lost Card Liability
  • Instant EMI conversion for all online transactions
  • Refer & Earn: 5% cashback (up to ₹1,000) on referred friend's spends within 30 days of card issuance; up to ₹5,000 cashback for 5 successful referrals

⚠️ Disclaimer: The information provided on this page is for general educational purposes and does not constitute financial advice. Credit card issuers modify interest rates, dynamic perks (such as lounge access conditions), and fee schedules at their sole discretion. We accept no liability for discrepancies between the data shown here and live issuer terms. Please consult the official card application page prior to making any financial commitments.