The IDFC First Millennia is lifetime free, earns 3X Reward Points Upto Spends ₹20000, includes 4 railway lounge visits a quarter and charges a 0% forex markup.
| Annual fee | None |
|---|---|
| Joining fee | None |
| Base rewards | 3X Reward Points Upto Spends ₹20000 |
| Lounge access | 4 railway lounge visits a quarter |
| Forex markup | 0% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
245 online offers across 166 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- ixigo: Rs.10000 Discount · till 31 Dec
- Croma: Rs.3000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
These are IDFC First Bank's own offers and Visa network offers, so they apply to every IDFC First Bank Visa card, not just this one. All IDFC First Bank offers by category.
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 with no joining or annual fees and attractive rewards like 3X points up to Rs. 20,000 spends and 10X points beyond that. It also offers 4 complimentary railway lounge visits per quarter, adding value for frequent travelers.
Who should get the Idfc First Millennia Credit Card?
This card is ideal for users who spend regularly on shopping and utilities, as it offers 3X reward points up to Rs. 20,000 and 10X points on higher spends. It also benefits those who pay insurance premiums and utility bills, earning 1X points, and travelers who can utilize the complimentary railway lounge access.
How to maximise rewards on the Idfc First Millennia Credit Card?
To maximise rewards, spend up to Rs. 20,000 monthly to earn 3X points, then exceed that to get 10X points on additional spends. Use the card on your birthday to earn 10X reward points and pay insurance premiums and utility bills to earn 1X points consistently.
Is the Idfc First Millennia Credit Card better than a top competing premium card?
The Idfc First Millennia Credit Card offers competitive rewards with no joining or annual fees, unlike many premium cards that charge high fees. While premium cards may offer more luxury benefits, this card is better for cost-conscious users seeking strong reward points and complimentary railway lounge access.