Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#89 of 173 in credit

IDFC First Bank

IDFC First Millennia Credit Card

creditVisaentryProvisional score

Zero fee card targeting millennials directly mapped to point multiplier algorithms online.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value19/100 · weight 65%

≈ 0.95% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
online_spends	points	1.50%(6 pts @ ₹0.25)	—	6X Reward points on executing online purchases
all_spends	points	0.75%(3 pts @ ₹0.25)	—	3X Reward points on all offline retail spends