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.

#74 of 173 in credit

IDFC First Bank

IDFC FIRST Millennia

creditVisaPlatinum

10X on incremental spends over Rs 20k; 3X online, 1X offline

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value20/100 · weight 65%

≈ 0.99% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks19/100 · 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): 4
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
dining	points	2.00%(8 pts @ ₹0.25)	—	2% dining (estimated)
travel	points	2.00%(8 pts @ ₹0.25)	—	2% travel (estimated)
groceries	points	1.50%(6 pts @ ₹0.25)	—	1.5% groceries (estimated)
utilities	points	1.00%(4 pts @ ₹0.25)	—	1% utilities (estimated)
fuel	points	1.00%(4 pts @ ₹0.25)	—	1% fuel (estimated)
online_spends	points	0.75%(3 pts @ ₹0.25)	—	3X points online
all_spends	points	0.50%(2 pts @ ₹0.25)	—	Base earn rate
all_spends	points	0.25%(1 pts @ ₹0.25)	—	1X offline; 10X incremental over Rs 20k/mo