Lifetime freeBeginner friendly

IDFC FIRST Millennia Credit Card Review

IDFC FIRST Millennia is best for young professionals who want a no-fee card with zero forex markup. Lifetime free.

Annual feeLifetime free

Fee waiverNot needed

Top reward rate0.38%

Forex markup0%

NetworkVisa

Min. income₹25,000/mo

Visit IDFC FIRST Bank website Calculate my rewards Compare

Pros

Lifetime free
Zero forex markup on international spends (from September 2026)
10X reward points on spends above ₹20,000 a month
Reward points never expire

Cons

Low base reward rate after the January 2026 cut
International spends expected to stop earning points from October 2026

Reward rate by category

Effective value back per ₹100 spent. Reward points valued at ₹0.25 each; since January 2026 points are earned per ₹200 (was ₹150). Points never expire.

Amazon0.38%

Flipkart0.38%

Other online shopping0.38%

Food delivery0.38%

Dining out0.38%

Groceries0.38%

Flights & hotels0.38%

Fuel0%

Bills & recharges0.13%

Everything else0.38%

Caps, tiers & milestones

10X points (1.25%) on monthly spends above ₹20,000

How much could you earn?

Estimated yearly value after fees and caps for typical spending patterns.

Balanced spender ₹3,96,000/yr spend	₹1,995
Online shopper ₹3,90,000/yr spend	₹2,505
Frequent traveller ₹8,04,000/yr spend	₹5,745
Family & groceries ₹5,88,000/yr spend	₹3,690

Use my own spends

Lounge access

Railway lounge access

Compare IDFC FIRST Millennia with

IDFC FIRST Wealth vs IDFC FIRST Millennia

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IDFC FIRST Millennia FAQs

What is the annual fee of the IDFC FIRST Millennia credit card?

The IDFC FIRST Millennia credit card is lifetime free, with no joining or annual fee.

Is IDFC FIRST Millennia a good credit card?

The IDFC FIRST Millennia card is best for: young professionals who want a no-fee card with zero forex markup. Its main strengths are: lifetime free; zero forex markup on international spends (from september 2026). Its main drawback: low base reward rate after the january 2026 cut.

What is the forex markup on IDFC FIRST Millennia?

The IDFC FIRST Millennia card charges a 0% forex markup on international transactions.

Does IDFC FIRST Millennia offer airport lounge access?

Yes: Railway lounge access. Banks often attach spend conditions to lounge access, so check the latest terms.

✓ Details verified 26 September 2026Minimum income: ₹25,000 a month (salaried), reported by comparison sites. Sources: IDFC FIRST Bank: Millennia · CardExpress 2026 changelog. Banks change terms often, so confirm on the IDFC FIRST Bank website before applying.