Key Benefits
More about the Idfc First Millennia Credit Card
Is the Idfc First Millennia Credit Card worth it in 2026?
Yes, the Idfc First Millennia Credit Card is worth it in 2026 as it offers 3X reward points on spends up to Rs. 20,000 and 10X points beyond that. Additionally, it has no joining or annual fees, making it a cost-effective choice for reward seekers.
Who should get the Idfc First Millennia Credit Card?
This card is ideal for frequent spenders who can leverage the 10X reward points on spends above Rs. 20,000 and on birthdays. It suits users who pay insurance premiums and utility bills regularly, earning 1X points on these payments.
How to maximise rewards on the Idfc First Millennia Credit Card?
To maximise rewards, spend over Rs. 20,000 monthly to earn 10X points and make purchases on your birthday for an additional 10X points. Also, use the card for insurance and utility bill payments to earn 1X points consistently.
Is the Idfc First Millennia Credit Card better than a top competing premium card?
Compared to premium cards, the Idfc First Millennia Credit Card offers competitive rewards with no joining or annual fees and 4 complimentary railway lounge visits per quarter. However, premium cards may offer higher lounge access and exclusive perks beyond rewards.