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Premium Decision Grade Catalog
IDFC FIRST BANK LTD
IDFC FIRST Millennia Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Entry-level lifestyle credit card offering accelerated rewards on milestone spending with no fees and applicable for moderate income earners
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
10X rewards on birthday & spends ≥ ₹20k/month
Highlight 2
8X rewards on insurance/utility payments
Highlight 3
1X rewards on other spends
Highlight 4
Airport lounge visits quarterly
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"NA"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"4 complimentary domestic airport lounge visits per quarter; 2 complimentary international lounge visits via Priority Pass"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹6L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Solid utility-focused card with strong 5% cashback on utility bills and fuel spends. Value proposition is enhanced for Premium Banking customers who get additional lounge benefits. Regular customers may find better value elsewhere unless they have high utility and fuel spending patterns."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Free Forbes Digital Subscription, Club Marriott, Swiggy One (3 months), MakeMyTrip Black Elite Tier, Amazon Prime on spending ₹1.5 lakh in first 90 days
- Base Rate: 2 reward points per ₹100 spent on other categories
- Accelerated Rewards Program: 8 Marriott Bonvoy Points per ₹150 spent at Marriott Bonvoy hotels
- 4 Marriott Bonvoy Points per ₹150 on travel, dining & entertainment
Cons
- RP to Rupees: 1pt=₹1
- Domestic Airport: NA
- Movie/Entertainment: 1+1 weekly tickets
- Lifestyle and Fashion: Private jet bookings
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