CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
IDFC First Bank

IDFC First Millennia Credit Card

30
Ranked #86 of 170 in credit
creditVisa/RuPayEntry-level, millennial-focused

IDFC FIRST lifetime-free entry card targeting millennial spenders (dining, travel, shopping-focused rewards), essentially a sibling product to IDFC First Classic with near-identical fee/benefit structure and the same version-drift ambiguity in reward tiers.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value14/100 · weight 71%
≈ 0.69% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks19/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
Lifetime free
Waiver: Lifetime free — no joining/membership/annual fee ever
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_spendspoints1.50%(6 pts @ ₹0.25)—6X Reward points on executing online purchases
international_spendspoints1.25%(5 pts @ ₹0.25)—10X points per Rs 200 on dining/travel/international + birthday
all_spendspoints0.38%(1.5 pts @ ₹0.25)—3X points per Rs 200 on other eligible spends

Welcome offer

Rs 500 e-gift voucher on Rs 5,000 spend within 30 days of issuance (one source cites Rs 15,000 within 90 days — conflicting); 5% cashback up to Rs 1,000 on first EMI transaction within 30-90 days

Milestone benefits

Pros

  • Genuinely lifetime free, same strong lifestyle bundle as Classic (roadside assistance Rs 1,399 x4/year, 20% dining at 1,500+ restaurants, 25% movie discount via District app, 15% off at 3,000+ health/wellness outlets), UPI-linkable via RuPay digital add-on, instant online shopping discounts with Tata Cliq/Levis/BIBA partners

Cons

  • FLAG — reward structure ambiguity (see above) and possible age restriction (21-35) both need direct verification before advising
  • no lounge access
  • no rewards on fuel/EMI/cash withdrawals
  • Rs 99 redemption fee

What's inside

More benefits

  • Roadside assistance

    ₹1,399

    Complimentary roadside assistance worth Rs 1,399, up to 4x/year

    Cap ₹5,596 / quarterly.

  • Dining and wellness discount

    Up to 20% off at 1,500+ restaurants, up to 15% at 3,000+ health/wellness outlets

  • Movie discount

    ₹100

    25% off (up to Rs 100) movie tickets via District app, once/month

    Cap ₹1,200 / monthly.

  • Personal accident insurance

    ₹2,00,000

    Rs 2 lakh personal accident cover

    yearly.

Insurance cover

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₹NaN

Eligibility

text
FLAG — age eligibility conflicts: most sources state 21-65, but Bajaj Finserv Markets specifically states 21-35 for this card — verify current policy, this could be a genuine age-restricted younger-demographic variant given the "Millennia" branding; income Rs 25,000/month (Rs 3 lakh/year) minimum across all sources

Small print

Fuel surcharge:1% fuel surcharge waiver up to Rs 200/month