What is the annual fee for IDFC FIRST Millennia Credit Card?

The annual fee is ₹499, with an identical joining fee of ₹499 charged at card issuance. This fee structure applies from the first year of holding the card.

How to apply for IDFC FIRST Millennia Credit Card?

You can apply directly through IDFC FIRST Bank's website or mobile app, or visit a nearby branch with your KYC documents (ID proof, address proof, income proof). The approval process typically takes 2-5 working days.

What rewards does IDFC FIRST Millennia Credit Card offer?

The card provides 1% cashback on all purchases, regardless of merchant category or spending type. This uniform rate applies across online and offline transactions, making it a predictable rewards option.

What are the eligibility criteria for IDFC FIRST Millennia Credit Card?

Eligibility criteria are not specified in the available details — we recommend checking IDFC FIRST Bank's official website or contacting their customer service for current income requirements, age limits, and credit score thresholds.

Does IDFC FIRST Millennia Credit Card offer airport lounge access?

Lounge access details are not included in the card specifications provided. Contact IDFC FIRST Bank directly to confirm whether this card includes complimentary or paid airport lounge benefits.

Is IDFC FIRST Millennia Credit Card worth it?

It suits spenders who prefer simplicity over category-based rewards and don't need premium benefits like lounge access. At ₹499 annual fee, you'd need to spend ₹50,000+ annually to break even on cashback, making it worthwhile for regular users with moderate spending habits.

Visa

IDFC FIRST Millennia Credit Card

Straightforward cashback for everyday spenders

Annual feeLifetime Free

Rewards1.00%

Forex markup3.5%

Check Eligibility →or apply directly on IDFC FIRST Bank's website ↗

Secure · Free · No spam calls

Rewards

Base earn rate

1 pts per ₹100

Detailed reward breakdown not available from source

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: Lifetime free
Forex markup: 3.50%

Eligibility

Salaried: minimum ₹25,000/month income. Self-employed: ₹6,00,000/year ITR. Age 21–65. CIBIL 700+.

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Visa

IDFC FIRST Millennia Credit Card

Straightforward cashback for everyday spenders

Annual feeLifetime Free

Rewards1.00%

Forex markup3.5%

Check Eligibility →or apply directly on IDFC FIRST Bank's website ↗

Secure · Free · No spam calls

Rewards

Base earn rate

1 pts per ₹100

Detailed reward breakdown not available from source

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: Lifetime free
Forex markup: 3.50%

Eligibility

Salaried: minimum ₹25,000/month income. Self-employed: ₹6,00,000/year ITR. Age 21–65. CIBIL 700+.

IDFC FIRST Millennia Credit Card

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IDFC FIRST Millennia Credit Card

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