IDFC

IDFC FIRST Bank Millennia Credit Card

Good for frequent travelers who value lounge access and low forex.

IDFC FIRST MASTERCARD

Millennia

Should you get this?

Conditional fit

Confirm terms

Why this card

You travel frequently and will use the lounge benefits.
You want a lifetime-free card.

Issuer evidence · 3 sources →

Trade-off

Verify current lounge list

Annual fee ₹0 lifetime free

Rewards 3 pts / ₹150

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

General spend3 pts / ₹150——

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

Reward reality

Conclusion · what you actually get

Verified value

₹0.25 per point

Headline redemption

Base earn

3 points per ₹150 (~0.5% base (conservative redemption))

Costs & fees

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: ~1,000 pts/month (base earn · uses base/general earn rate)
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

2 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) , opens external site
Operator-verified anchor
Railway (cardholder): 16 railway lounge visits per year (max 4/quarter)

2 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) , opens external site
Operator-verified anchor
International (cardholder): Not included

2 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) , opens external site
Operator-verified anchor
IDFC FIRST Millennia privileges T&C , opens external site
IDFC FIRST lounge benefits FAQ , opens external site

Rewards

Points per ₹150: 3 points per ₹150 value depends on redemption
Effective return (honest floor): ~0.5% 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 (Headline redemption) · 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

Redemption value

You earn: Reward Points
Redemption: ₹0.25 per Reward Point · verified 5 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

Monthly interest rate: 3.85% / month
Annual fee: ₹0 (verify with issuer)
Joining fee: ₹0
Interest-free period: Up to 45 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

Single source · verify on issuer site

Where to verify

Issuer site (verified manually) , opens external site

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

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IDFC FIRST Bank Millennia

IDBI Bank Euphoria World

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IDFC FIRST Bank Millennia

AU Small Finance Bank ixigo

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IDFC FIRST Bank Millennia

Axis Bank IndianOil Axis Bank Premium RuPay

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IDFC FIRST Bank Millennia

HDFC Bank Tata Neu Plus RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

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 or annual fee. GST still applies where applicable. Verify benefit eligibility before applying.

When do welcome benefits arrive?

No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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