IDFC FIRST Millennia Credit Card

Name: IDFC FIRST Millennia Credit Card
Brand: IDFC FIRST Bank

IDFC FIRST Bank • Lifetime free rewards for daily and lifestyle spends

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A lifetime free IDFC FIRST Bank card aimed at digital first users. It earns higher reward points on dining, travel and international spends, with a lower rate on everyday purchases and no annual fee to recover.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)

Fee WaiverLifetime Free forever

Joining PerkWelcome benefits worth ₹1,500 as listed on the official lifetime free cards page

Primary Reward10X Reward Points on dining, travel and international spends, 3X Reward Points on everyday spends

Airport Lounge AccessNo complimentary airport lounge access. 4 railway lounge visits per quarter, subject to ₹20,000 spend in the previous calendar month

Forex Markup0% + 18% GST

RuPay UPINo

Best ForYoung professionals who want a lifetime free card for dining, travel and everyday shopping

What We Like

Lifetime free with no joining or annual fee
10X Reward Points on dining, travel and international spends
Zero forex markup on international spends

Watch Out

No complimentary airport lounge access
Reward value depends on redemption choice and a redemption fee may apply
Railway lounge visits need ₹20,000 spend in the previous month

MITC & Hidden Charges

Lifetime free card. 18% GST applies to other charges as applicable. Annual fee ₹0, so the fee with GST is ₹0. Interest free ATM withdrawals and other charges apply as per bank terms.

IDFC FIRST Millennia Credit Card FAQs

Is the IDFC FIRST Millennia Credit Card lifetime free?

Yes. The official IDFC FIRST Bank lifetime free page lists ₹0 joining fee and ₹0 annual fee for this card.

Does it offer airport lounge access?

No. The official comparison shows airport lounge access as NA for Millennia. It offers 4 railway lounge visits per quarter subject to the previous month spend condition.