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REWARD POINTS CARD

FIRST Millennia Credit Card

IDFC FIRST Bank

A lifetime-free card that earns 10X Reward Points on dining, travel, international and birthday spends and 3X on most other spends, with zero forex markup and complimentary railway lounge visits.

No points on fuel, EMI or cash withdrawals; utilities, insurance, railways and FASTag earn 1X. Points accrue only up to your credit limit per cycle and are reversed if MAD is unpaid. Redemption costs ₹99 + GST.

FIRST Millennia Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
10X Reward Points on dining, travel and international spends and on spends made on your birthday, with zero forex markup.
BEST FOR
Included: May suit someone who wants a lifetime-free card that earns Reward Points on everyday shopping, dining and online spends.
Included: May suit those who spend often on dining and travel, which earn 10X Reward Points.
Included: May suit those who spend abroad or buy from international sites.
Included: May suit rail travellers, with 4 complimentary railway lounge visits per quarter after ₹20,000 spend in the previous.
Limitation: Spending mainly on fuel, EMI conversions or cash withdrawals may wish to compare other cards.
Limitation: Those whose spending is mostly fuel may wish to compare other cards.
Limitation: Those who mostly pay utilities, insurance, railway or FASTag bills may wish to compare other cards.
Limitation: Those who redeem small point balances often may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward Points are valid for 24 months from the date they are credited.
Condition: If at least the Minimum Amount Due is not paid by the due date, no Reward Points are given for that billing cycle and any posted points are reversed.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
0%
Finance charge
8.5% p.a.
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
4 visits per quarter — 4 complimentary visits per quarter at railway lounges across India · Access in a month needs ₹20,000 spend in the previous calendar month; eligible lounges are listed by the bank. · ₹20,000 in the current calendar month unlocks access in the following month
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver up to ₹200 a month at fuel stations across India, on transactions of ₹200 to ₹5,000
Dining
10X Reward Points on dining spends.
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No Reward Points on fuel, EMI transactions, cash withdrawals, fees and charges; utilities, insurance, railways and FASTag earn only 1X; no points on spends beyond credit limit per cycle.; Fuel, EMI transactions and spends converted to EMI, cash withdrawals, fees and charges.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
24 months
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 10X Reward Points on dining, travel and international spends and on spends made on your birthday, with zero forex markup.
Included: Zero forex markup on all international spends, which also earn 10X Reward Points.
Included: 4 complimentary railway lounge visits per quarter across India when you spend ₹20,000 in the previous calendar month.
Included: Personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000, valid with at least one transaction in the last 30 days.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.