FIRST Millennia
IDFC FIRST Bank · Credit card

FIRST Millennia

A credit card from IDFC FIRST Bank. Facts below come from the issuer's own documents. Network: RuPay.

FIRST Millennia card artwork
Annual fee
₹0
Fee waiver
Spend ₹0 a year
Rewards
  • Dining, Travel, and International purchases and spends done on your birthday 10X Reward Points
  • Spends up to ₹20,000 in a statement cycle 3X never-expiring reward points
  • Education, Wallet Load, Government payments, Rent and Property Management/Purchase transactions 3X reward points
  • General 3X reward points
  • First EMI transaction within the first 30 days card generation 5% cashback
  • Hotel bookings with the IDFC FIRST Mobile Banking app powered by Trip bonus 20 Reward Points
  • First 4 UPI transactions 100% cashback

Benefits & rewards

Issuer information
Rewards
  • Dining, Travel, and International purchases and spends done on your birthday 10X Reward Points
  • Spends up to ₹20,000 in a statement cycle 3X never-expiring reward points
  • Education, Wallet Load, Government payments, Rent and Property Management/Purchase transactions 3X reward points
  • General 3X reward points
  • First EMI transaction within the first 30 days card generation 5% cashback
  • Hotel bookings with the IDFC FIRST Mobile Banking app powered by Trip bonus 20 Reward Points
  • First 4 UPI transactions 100% cashback
Reward cap
20000 per statement cycle — 1000 per day — 200
Lounge access
Included
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹0
Joining fee
₹0
Fee waiver
Spend ₹0 in a year
Foreign purchases
0% markup on international spends
Eligibility
Income not disclosed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against IDFC FIRST Bank's own pages. Only independently approved changes appear here.

  1. Eligibility
    Changed
    300000 annual incomeAnnual income of ₹3 lakhs or more

    Eligibility changed from 300000 annual income to Annual income of ₹3 lakhs or more

    Verified 11 Sep 2026 · previous value recorded 14 Aug 2026 · issuer page
  2. Foreign currency markup
    Changed
    3.5%0%

    Foreign currency markup changed from 3.5% to 0%

    Verified 11 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.