IDFC FIRST Millennia Credit Card 2026: Lifetime Free, 10X Rewards & Zero Forex Markup
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Apply for IDFC FIRST Millennia Credit Card 2026: lifetime free, 10X rewards on dining, travel & international spends, zero forex markup. Check benefits & apply.
Key Highlights at a Glance
| Feature | Details |
|---|---|
| Fees | No joining fee, no annual fee (lifetime free) |
| Top reward rate | 10X (10 points per ₹200 = 1.25% value) on dining, travel, international and birthday spends |
| Other spends | 3X = 0.375% value; 1X = 0.125% on utilities, insurance, railways, FASTag |
| Point value | 1 Reward Point = ₹0.25 |
| Forex | Zero forex markup (pay in local currency) |
| Railway lounges | 4 visits per quarter, unlocked by ₹20,000 monthly spend |
| Hotel & flight bookings | Up to 25% points on hotels (6.25% value), up to 15% on flights (3.75%) via FIRST Rewards Gallery |
| Movies | 25% off up to ₹100, once a month, on District by Zomato |
| Fuel | 1% surcharge waiver up to ₹200 per month |
| Roadside assistance | Up to 4 times a year, across India |
| Insurance | Personal accident, air accident, credit shield, purchase protection, travel cover, zero card liability. |
| Welcome offers | ₹500 e-gift voucher on ₹5,000 spend in 30 days; 5% cashback up to ₹1,000 on first EMI |
IDFC FIRST Bank: FIRST Millennia Credit Card with 10X Rewards
🎁 Perks: No joining or annual fee • 10X points on dining, travel & international spends • Zero forex markup • 4 railway lounge visits per quarter • Up to 25% points on hotel bookings
Apply Now →Rewards & Benefits Fact Sheet
🎯 Reward Rates
1 Reward Point = ₹0.25, and 1X = 1 point per ₹200 spent. Points rates are not cashback percentages, so use the real-value column.
| Tier | Points rate | Real value | Applies to |
|---|---|---|---|
| 10X | 10 points per ₹200 | 1.25% | Dining, travel, international purchases, and spends on your birthday |
| 3X | 3 points per ₹200 | 0.375% | All other eligible spends |
| 1X | 1 point per ₹200 | 0.125% | Utility bills, insurance premiums, railway spends, FASTag recharges |
| None | 0 | 0% | Fuel, EMI transactions, cash withdrawals |
🧮 Real Spend Examples
- ₹10,000 on dining or international spends: 500 points = ₹125
- ₹10,000 on general spends: 150 points = ₹37.50
- ₹10,000 on utilities or insurance: 50 points = ₹12.50
🚫 Zero-Reward Categories
Fuel, EMI transactions and cash withdrawals earn no reward points.
⚠️ Fine Print
- Earning cap: points are earned only on spends up to your credit limit per billing cycle.
- Expiry: points are valid for 24 months from the date they are credited.
- Redemption fee: ₹99 + GST per redemption. At 18% GST that is about ₹116.82, equal to roughly 468 points, so redeem larger batches.
🏨 Hotel & Flight Bookings (FIRST Rewards Gallery)
Book through the FIRST Rewards Gallery section of the IDFC FIRST Bank Mobile App to earn bonus points on top of the base 10X rate.
| Booking | Base | Bonus | Total points | Real value |
|---|---|---|---|---|
| Hotels | 5% | 20% | Up to 25% | 6.25% |
| Flights | 5% | 10% | Up to 15% | 3.75% |
- Example: a ₹10,000 hotel booking earns 2,500 points (₹625). A ₹10,000 flight booking earns 1,500 points (₹375).
- Bonus cap: 8,000 bonus points per calendar month per card account (worth ₹2,000).
- Not eligible: Cash + Points bookings and EMI or EMI-converted bookings earn no bonus.
- Credit timing: bonus points are credited by the 5th of the month after travel or check-in, provided the account is active.
- Using points: points can pay up to 70% of the booking value (including tax), at ₹0.25 per point. Redemption is capped at 1,00,000 points per month and 2,00,000 per year.
- Refunds: processed within 7 business days. Points are refunded first, then any remainder goes to the card.
- Who can book: bookings must be for the cardholder or immediate family. The bank can claw back bonus points on other bookings.
🌍 Zero Forex Markup
Zero forex markup applies on international spends. To get the full benefit, pay in the local currency (dollars in New York, yen in Tokyo, dirhams in Dubai). If a shop or ATM offers to bill you in INR, it may add its own conversion rate and a Dynamic Currency Conversion (DCC) charge, which is not the bank’s markup.
🛋️ Railway Lounge Access
- 4 complimentary railway lounge visits per quarter across India (railway lounges only, not airport lounges).
- Unlock condition: spend ₹20,000 in a calendar month to access railway lounge benefits in the following month.
🎬 Movie Offer
- 25% off up to ₹100 on movie tickets booked via the District by Zomato app, once every month.
- Spend-active rule: you need at least one purchase or ATM withdrawal in the previous calendar month. For July 2026, you need a transaction in June 2026.
- This is a discount, not cashback. The maximum saving is ₹100 per month.
⛽ Fuel Surcharge Waiver
- 1% waiver, up to ₹200 per month, at fuel stations across India.
- It applies only to transactions between ₹200 and ₹5,000. The ₹200 cap is reached at ₹20,000 of eligible fuel spend.
- Fuel earns no reward points.
🚗 Roadside Assistance
- Complimentary roadside assistance across India, up to 4 times a year, valued by the bank at ₹1,399 (provided through Global Assure).
- Active-card condition: the card must be enabled for transactions, and you must have made at least one purchase or ATM withdrawal in the 30 days before the incident.
- After a new card, replacement or card status change, the service restarts five days later. Using the card at least once a month keeps it active.
🛡️ Insurance Covers
Complimentary covers include Zero Card Liability (lost card, counterfeit/skimming and online fraud), Personal Accident, Personal Air Accident, Credit Shield, Purchase Protection and Travel Insurance (checked-in baggage loss or delay, loss of passport and documents, flight delay). Bank marketing mentions a ₹2 lakh personal accident cover and ₹25,000 lost card liability cover.
Claims go through Marsh India Insurance Brokers, and documents must be submitted within 15 working days.
🎁 Welcome Offers (time-bound)
₹500 e-gift voucher
- Spend ₹5,000 within 30 days of the SMS or email confirming card issuance (primary card only).
- You’ll get an SMS or email within 4–5 working days with a link to the rewards section of the app, and you have up to 90 days to redeem.
- Excluded: UPI, add-on card, wallet load, EMI-converted and ATM transactions, and any reversed, cancelled or disputed transactions.
5% cashback up to ₹1,000 on your first EMI
- Applies to the first EMI conversion within the first 30 days of card generation.
- Cashback is credited within 90 days of the offer end date.
- Gold and jewellery transactions are not eligible. Delinquent customers and reversed, cancelled, foreclosed or disputed EMIs are excluded.
- Both offers run on the same 30-day window. EMI-converted spends don’t count toward the voucher’s ₹5,000.
📲 UPI on Credit Card (optional)
The card is lifetime free without UPI. IDFC FIRST Bank lets cardholders activate UPI on their credit card, and the UPI variant runs on RuPay. UPI fee ₹199 is applicable.
Eligibility Criteria
- Annual income of ₹3 lakh or more. Verify before publishing, because the source placed this line ambiguously next to the fee details.
Required Documents
- PAN
- Address proof / Aadhaar (for KYC)
- Mobile number linked to Aadhaar
- Income proof, if requested
How to Apply
- Click Apply Now and open the IDFC FIRST Bank application page for FIRST Millennia.
- Enter your basic details and verify your mobile number with OTP.
- Complete KYC as prompted.
- Submit and wait for approval.
- Once the card is issued, spend ₹5,000 within 30 days to qualify for the welcome voucher.
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