IDFC FIRST Millennia Credit Card review
A no-fee everyday rewards card with points that never expire. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
IDFC FIRST Bank · Visa / RuPay · Lifetime-free
Up to 10X reward points, points that never expire — and no annual fee, ever.
- Annual fee
- Nil — lifetime-free
- Reward rate
- 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire
- Lifetime-free
- Yes
- Network
- Visa / RuPay
- Eligibility
- Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced)
Why it stands out
- Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
- 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
- Reward points never expire
Good to know
- It's genuinely lifetime-free — no joining or annual fee, so there's no minimum spend just to avoid a fee.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on IDFC FIRST Bank's official page before applying.
How it compares
See it ranked against similar cards in our best lifetime-free credit cards and best cashback credit cards roundup.
IDFC FIRST Millennia Credit Card — FAQs
Yes. The IDFC FIRST Millennia Credit Card has no joining fee and no annual fee for the life of the card, so you never pay just to hold it. Always confirm on IDFC FIRST Bank's page, as issuers occasionally add fees.
Nil — lifetime-free. Fees are dated as of June 2026 and can change — check the current schedule of charges on IDFC FIRST Bank's official page before applying.
Up to 10X reward points, points that never expire — and no annual fee, ever. In detail: 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire. Reward values and caps are indicative and set by the issuer.
A no-fee everyday rewards card with points that never expire. Eligibility is broadly Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced). It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on IDFC FIRST Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.