# Idfc First Millennia Credit Card

**Best for:** Frequent travelers and reward seekers

**Think twice if:** Rarely spends or travels internationally

**Key strengths:** 3X Reward Points on first Rs.20000 spent · 10X Reward Points on birthday spending · Complimentary railway lounge visits quarterly

## Fees

- **Joining Fee:** No Joining Fees
- **Annual Fee:** No Annual Fee
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** 10X Reward Points on Crossing Spends of Rs.20000
- **Welcome Benefit:** Welcome Gift Voucher Rs.500 on Spending Rs.5000

## Lounge Access

- **Domestic:** 4 Complimentary Railway Lounge Visits Per Quarter

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