IDFC

IDFC FIRST Bank Millennia Credit Card

Good for lounge and lifestyle benefits.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • 10 pts / ₹200 on eligible dining, international, and travel
  • You travel frequently and will use the lounge benefits.
  • You want a lifetime-free card.
Issuer evidence · 6 sources →

Trade-off

Verify current lounge list

Annual fee ₹0 no annual fee currently listed
Rewards 3 pts / ₹200 base
Lounge access 16 railway visits / year
Forex markup 3.5% high
Compare with IDBI Bank Euphoria World →

Similar lounge profile

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend3 pts / ₹200Credited as reward pointsRewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
Dining10 pts / ₹200Credited as reward pointsShared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
International spend10 pts / ₹200Credited as reward pointsShared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
Travel10 pts / ₹200Credited as reward pointsShared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
Show all 8 earning rules (4 more)
FASTag1 pt / ₹200Credited as reward pointsShared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
Insurance1 pt / ₹200Credited as reward pointsShared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
Railways1 pt / ₹200Credited as reward pointsShared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
Utilities1 pt / ₹200Credited as reward pointsShared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities

One shared ceiling applies across 8 of these categories — they draw from the same cap pool.

Redemption value

What a Reward Point is worth

  1. Catalogue₹0.25 / pt

    ₹99 redemption fee

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

3 points per ₹200 on eligible spend

Verified value

₹0.25 per point

Catalogue

Caps

  • General spendRewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
View full earning rules →

Realisation

Credited as reward points

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

All applicants

Minimum age
Above 18 yearsadmitted
Minimum age
21 years or oldertier unrecorded

Sources disagree on threshold wording for minimum age — the rows above state one requirement two ways, not two requirements.

Attestation differs per figure — see each tag

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (3 pts / ₹200). Up to ~750 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹190 at the conservative redemption floor
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
No airport lounge access

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Railway (cardholder)
16 railway lounge visits per year (max 4/quarter)

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
International (cardholder)
Not included on base card Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
IDFC FIRST Millennia privileges T&C , opens external site
IDFC FIRST lounge benefits FAQ , opens external site

Rewards

Base earn
3 points per ₹200 value depends on redemption
Effective return (honest floor)
~0.375% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value
₹0.25 per Reward Point (Catalogue) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Point validity
Points expire 2 years after earning · verified 7 Jul 2026

Insurance Cover

Personal accident cover
₹2 lakh · verified 5 Jul 2026
Lost card liability cover
₹25,000 · verified 5 Jul 2026
Underwriter
Insured by The Oriental Insurance Company Limited · verified 7 Jul 2026
Fees & charges

Fees

Annual fee
₹0
Joining fee
₹0 · verified 3 Sept 2026
Interest-free period
Up to 45 days · verified 7 Jul 2026

International Use

Forex markup
3.5%

Issuer documented · single source · verify on issuer site

Where to verify
  • Operator-verified anchor

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹200–₹5,000.
  • Maximum waiver ₹200 per month.
  • Fuel transactions do not earn reward points.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
IDFC FIRST Bank Millennia
vs
IDBI Bank Euphoria World
SIDE BY SIDE
IDFC FIRST Bank Millennia
vs
AU Small Finance Bank ixigo
SIDE BY SIDE
IDFC FIRST Bank Millennia
vs
Axis Bank IndianOil Axis Bank Premium RuPay
SIDE BY SIDE
IDFC FIRST Bank Millennia
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HDFC Bank Tata Neu Plus RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Statement-cycle cap: Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities.
  • After the shared cap is reached, further spending in that lane earns no rewards.

Exclusions

These spends do not earn reward points.

Financial

  • EMI

Redemption & expiry

  • Voucher redemption: ₹99 redemption fee per redemption

Latest update

  • Annual fee: ₹0.
  • Forex markup currently listed at 3.5%.
  • 16 railway lounge visits per year (max 4/quarter) · No airport lounge access.

Common questions

From verified card facts

Is this good for lounge access?

16 railway lounge visits per year (max 4/quarter). Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 6 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.