IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Data Verified
Last checked: 1 Mar 2026Best for millennials who spend ₹20K+ monthly and want accelerated rewards that never expire — all without paying fees.
A lifetime-free card targeting millennials with 10X reward points on monthly spends above ₹20,000 and on birthday purchases, 6X on online purchases, and 3X on offline. Points never expire and can be redeemed instantly.
ShoppingOnlineRewardsDiningEntertainment
Annual Fee
FREE
Lifetime Free — no annual or renewal fee
Cashback
2.5%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"IDFC FIRST Millennia is the upgrade from the Wow card. The 10X multiplier above ₹20K/month spending rewards consistent users significantly. 6X on online spends is competitive with paid cards. Never-expiring points mean you can accumulate and redeem when you want. Railway lounge access adds travel value. The ₹500 welcome voucher practically pays you to get the card. IDFC's commitment to lifetime-free cards is refreshing in a market of hidden-fee cards. Verdict: Best free card for mid-to-high spenders."
Key Privileges
Welcome Benefit₹500 welcome voucher on spending ₹5,000 within first 30 days
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹3 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹3 lakh per annum
- EmploymentSalaried/Self