IDFC FIRST Millennia
IDFC FIRST Bank · Visa
IDFC FIRST Millennia is a free lifetime card with decent rewards and no annual fee — great for beginners.
Annual Fee
Free
Base Reward Rate
2X
Point Value
₹0.5/pt
Min CIBIL
600
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
3X
Travel
2X
Shopping
3X
Online
3X
Grocery
2X
Fuel
1X
Utilities
1X
Other
2X
Pros
- Zero annual fee — free for life
- Decent reward rate for a free card
- Low income requirement
- Good starter card
Cons
- No lounge access
- No premium perks
- Low point value
Ready to Apply?
Apply directly on the IDFC FIRST Bank website. Takes about 10 minutes.
