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
Joining Fee
Free
Base Reward Rate
2X
₹0.5/pt
Min CIBIL
600
₹2L+ income
Key Features
Welcome Benefits
Lifetime Free Card
Zero fees forever — start earning rewards without any annual cost
Welcome Reward Points on First Spend
Earn bonus reward points on first transaction within 90 days
Reward Rates by Category
Dining
3X
Travel
2X
Online
3X
Shopping
3X
Grocery
2X
Fuel
1X
Utilities
1X
Other
2X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| Online Shopping | Online | 6X |
| Offline Merchants | Offline | 3X |
| Birthday | All | 10X |
Milestone Benefits
Bonus Reward Points
Earn bonus reward points on spending ₹10,000 per month consistently
First Month
Airport Lounge Access
Domestic
0 visits/year
International
0 visits/year
Insurance & Protection
Personal Accident Cover
Accidental death cover
Zero Liability
Report promptly
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
Frequently Asked Questions
Is IDFC FIRST Millennia lifetime free?+
Earn rate?+
How is it different from Classic?+
Do points expire?+
Can I use it for UPI?+
Ready to apply?
Apply on the IDFC FIRST Bank website. Usually takes 10 minutes.
User Reviews
No reviews yet. Be the first to share your experience.
Share your experience
Have this card? Help others decide.
Sign in to write a reviewNew here? Create a free account
IDFC FIRST Millennia
Free · 2X rewards
We may earn a commission if you apply via our link — no extra cost to you.
On this page