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IDFC FIRST Millennia Credit Card – Benefits, Rewards, Fees, Lounge Access, and Eligibility

With zero joining fee and benefits such as accelerated rewards and cashback, this lifestyle credit card is tailored to suit the lifestyle of all millennials.

Joining Fee Nil

Offers ₹500 Voucher on Spending ₹5,000

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Last updated on: March 17, 2026

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What Is the IDFC FIRST Millennia Credit Card

The IDFC FIRST Millennia Credit Card offers millennials a range of rewards and benefits, including 10X reward points on high spends, discounts, lounge access, and cashback. With no joining or annual fees, it’s a great option for those looking to earn rewards on everyday purchases, travel, and leisure activities.

Key Highlights of the IDFC FIRST Millennia Credit Card

Here’s a quick overview of the key features and benefits of the IDFC FIRST Millennia Credit Card:

Features	Details
Joining Fee	₹0 (No joining fee required)
Annual Fee	₹0 (No annual fee charged)
Best Suited For	Earning rewards on lifestyle-related spends such as dining, shopping, and travel
Key Feature	Earn 10X reward points on transactions above ₹20,000 and on purchases made during your birthday
Welcome Bonus	₹500 voucher upon spending ₹5,000 within the first 30 days of activation

Features and Benefits of the IDFC FIRST Millennia Credit Card

Here’s a detailed look at the key features and benefits of the IDFC FIRST Millennia Credit Card that offer you a rewarding and hassle-free experience:

No Annual or Joining Fees

Enjoy a lifetime-free credit card with no annual or joining fees, making it a cost-effective choice.

Welcome Offer

Receive a ₹500 voucher when you spend ₹5,000 or more within the first 30 days of activating your card.

Cashback up to ₹1,000

Earn 5% cashback on your first EMI transaction within 30 days of activation, with a maximum cashback of ₹1,000.

Unlimited Rewards

Collect reward points on all purchases, which never expire, giving you the flexibility to redeem them anytime.

10X Points on High Spends

Earn 10X reward points on monthly spends over ₹20,000 and on your birthday purchases, maximising your rewards.

Rewards on Everyday Shopping

Get 3X reward points on both online and offline purchases, up to ₹20,000 each month.

Rewards on UPI Transactions

Link your IDFC FIRST Millennia Credit Card to your UPI ID and earn up to 3X reward points on all UPI transactions.

Savings on Movie Tickets

Save 25% on movie ticket bookings via the Paytm App, up to ₹100, once a month.

Railway Lounge Privileges

Enjoy 4 complimentary railway lounge visits per quarter, making your travel more comfortable.

Roadside Assistance

Benefit from complimentary roadside assistance, valued at ₹1,399, ensuring help is always available when you need it.

Waiver on Fuel Surcharge

Get a 1% surcharge waiver (up to ₹200) on monthly fuel spends at petrol pumps across India.

Year-round Offers

Enjoy access to 300+ year-round offers, including up to 20% off at 1,500+ restaurants and 15% off at 3,000+ wellness centres.

EMI Conversion

Convert any transaction above ₹2,500 into easy monthly instalments (EMIs) via net banking, for added convenience.

Comprehensive Insurance

Receive personal accident insurance coverage of ₹2,00,000 and lost card liability cover up to ₹25,000.

Fees and Charges of the IDFC FIRST Millennia Credit Card

Here’s a breakdown of the fees and charges associated with the IDFC FIRST Millennia Credit Card to help you make informed financial decisions:

Fee Type	Details
Joining Fee	₹0 (No joining fee required)
Annual Maintenance Fee	₹0 (No annual fee charged)
Rewards Redemption Fee	Monthly: 0.75% - 3.65% Annual: 9% - 43.8%
Minimum Amount Due	Sum of EMI + Interest (finance charges) + Fees, Other charges & taxes + Amount utilised over limit (if any) + 2% of principal balance (including purchases, cash & balance transfer)
Late Payment Fee	15% of the total amount due (minimum of ₹100 and maximum of ₹1,300)
Foreign Transaction Fee	3.50% of the transaction amount
Cash Advance Fee	₹199 per transaction

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Eligibility Criteria for the IDFC FIRST Millennia Credit Card

Here are the key eligibility criteria for applying for the IDFC FIRST Millennia Credit Card to ensure a smooth application process:

You must be between 21 and 35 years of age to apply for the card
You should have a minimum annual income of ₹3 Lakhs to meet the financial requirements
You must be a resident of India with valid proof of address
You should have a stable source of income (either salaried or self-employed)

Documents Required for the IDFC FIRST Millennia Credit Card

Here is a list of the essential documents required to apply for the IDFC FIRST Millennia Credit Card:

Address Proof	Identity Proof	Income Proof
Passport	Aadhaar Card	Bank Statements (last 3 months)
Aadhaar Card	Driving Licence	Salary Slips (last 3 months)
-	Voter’s ID Card	-
-	Passport	-
-	PAN Card	-

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Your Credit Card EMI

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Total Interest Amount

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How to Apply for the IDFC FIRST Millennia Credit Card Online

Here’s how you can easily apply for the IDFC FIRST Millennia Credit Card online through Bajaj Markets:

Click on ‘Check Card Offer’ to start the application process
Provide the required details, such as your date of birth, phone number, and occupation
Enter the One-Time Password (OTP) sent to your mobile number for verification
Review the pre-filled information, including your PAN card number, residential PIN code, email address, and income details
Choose the IDFC FIRST Millennia Credit Card from the available options based on your needs
Click ‘Submit’ to complete your application and submit it for processing

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How to Maximise Rewards with the IDFC FIRST Millennia Credit Card

Here’s how you can maximise your rewards with the IDFC FIRST Millennia Credit Card:

A. Reward Points

The IDFC FIRST Millennia Credit Card provides 10X reward points on monthly expenditures exceeding ₹20,000, as well as on purchases made during your birthday.

You also earn 3X reward points on online and offline purchases for spending up to ₹20,000 per month.

Example:

Purchase (Monthly)	Amount (₹)	Reward Points	Cash Value (₹)
Online Shopping	₹15,000	300	₹75
Grocery Shopping	₹5,000	100	₹25

Disclaimer: The above example is for illustration purposes only.

You can earn up to 3X reward points on all UPI transactions.

Example:

UPI Payment (Monthly)	Amount (₹)	Reward Points	Cash Value (₹)
UPI Payment 1	₹10,000	200	₹50
UPI Payment 2	₹5,000	100	₹25
UPI Payment 3 (1X for amounts below ₹2,000)	₹1,500	10	₹3

Disclaimer: The above example is for illustration purposes only.

Additionally, you earn 1X reward points on insurance premiums and utility bill payments.

Example:

Purchase (Monthly)	Amount (₹)	Reward Points	Cash Value (₹)
Insurance Premium	₹3,000	20	₹5
Utility Bills	₹5,000	10	₹3

Disclaimer: The above example is for illustration purposes only.

Note: 1X = 1 reward point for every ₹150 spent, where 1 reward point equals ₹0.25.

B. Redemption Process

The redemption process for your reward points is simple. You can visit the PoshVine rewards portal, log in with your credit card and mobile number, and redeem your points for immediate payment on online and certain in-store purchases.

You can also redeem points to buy gift cards and OTT memberships, with a redemption fee of ₹99 + GST per transaction.

C. Expiration

The best part about the reward points is that they never expire, allowing you to redeem them whenever you choose.

D. Example of Savings

Here’s an example of how your annual spending can translate into savings with the IDFC FIRST Millennia Credit Card:

Category	Details	Conversion	Cash Value (₹)
Incremental Spends	Accelerated Category Spends (10X)	₹3,00,000 p.a.	₹2,200
Online & Offline Purchases	Accelerated Category Spends (3X)	₹2,40,000 p.a.	₹1,200
UPI Payments	Accelerated Category Spends (3X)	₹1,80,000 p.a.	₹900
Insurance and Utilities	Normal Category Spends (1X)	₹54,000 p.a.	₹90
Roadside Assistance	-	-	₹1,399
Total Annual Savings	-	-	₹5,789

Disclaimer: The above example is for illustration purposes only. Actual rewards and savings may vary based on spending patterns and timely payment of credit card dues. Please verify details with the card issuer.

E. Redemption Options

You can redeem these points for:

Buying gift cards and OTT memberships
Receiving immediate discounts on online shopping from partners like TATA Cliq, Levis, BIBA, and more
Shopping at eligible retail stores

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Xerxes Bhathena

Financial Content Specialist

Frequently Asked Questions

Is there any joining or annual fee applicable on the IDFC FIRST Millennia Credit Card?

No, the IDFC FIRST Millennia Credit Card comes with no joining, membership, or annual fees. This means you can enjoy cashback, reward points, and discounts without incurring any extra charges.

What are the benefits associated with the IDFC FIRST Millennia Credit Card?

The IDFC FIRST Millennia Credit Card offers 300+ shopping and dining offers, 4 complimentary railway lounge visits per quarter, roadside assistance, reward points that don’t expire, and 25% off on movie tickets (up to ₹100), making it an attractive option for frequent spenders.

How can I personalise my IDFC FIRST Millennia Credit Card?

Personalise your IDFC FIRST Millennia Credit Card by selecting a design you love. Choose your image or pick from a curated gallery. This service is available for a one-time fee of ₹499 + GST.

Can I share the credit limit of my IDFC FIRST Millennia Credit Card with my family members?

Yes, you can share your credit limit with family members via an add-on card at no extra charge. However, you remain the primary cardholder and are responsible for bill payments.

Do I need to enter the PIN of my IDFC FIRST Millennia Credit Card at every POS terminal?

For security, you’ll need to enter your PIN for POS transactions. You can also use the tap-and-go facility for transactions up to ₹5,000, making payments faster and more convenient.

Can I withdraw cash from an ATM using the IDFC FIRST Millennia Credit Card?

Yes, you can withdraw cash from ATMs, interest-free for up to 45 days, both in India and overseas. A ₹199 + GST cash advance fee applies per transaction, with a maximum withdrawal limit of ₹10,000.

What are the forex markup charges for the IDFC FIRST Millennia Credit Card?

The IDFC FIRST Millennia Credit Card charges a 3.50% forex markup fee on international transactions, making it suitable for travellers who frequently make purchases abroad.

What type of card is the IDFC FIRST Millennia Credit Card?

The IDFC FIRST Millennia Credit Card is a lifestyle credit card designed for millennials. It offers a range of rewards and benefits to maximise savings on everyday spending, travel, and leisure activities.

Is the IDFC FIRST Millennia Credit Card good?

Yes, the IDFC FIRST Millennia Credit Card is a great option for millennials, offering reward points, cashback, and lifestyle benefits like discounts and lounge access. It is an excellent choice for those looking to earn rewards on everyday spending.

Is the IDFC FIRST Millennia Credit Card lifetime free?

Yes, the IDFC FIRST Millennia Credit Card is lifetime-free with no joining, annual, or membership fees. This makes it a cost-effective option for cardholders who want to earn rewards without worrying about recurring fees.

What are the benefits of the IDFC FIRST Millennia Credit Card?

The IDFC FIRST Millennia Credit Card offers 10X rewards on high spends, 3X rewards on shopping, and complimentary lounge access. It also provides exclusive discounts, making it ideal for those who want to earn rewards and enjoy lifestyle perks.

How does the IDFC FIRST Millennia rewards system work?

The rewards system lets you earn 10X points on spends over ₹20,000 and 3X points on everyday purchases, both online and offline. You also earn 3X points on UPI transactions, with no expiry on points.

What are the charges for the IDFC FIRST Millennia Credit Card?

The IDFC FIRST Millennia Credit Card comes with no annual fees and a 3.50% forex markup charge for international transactions. Other charges include cash advance fees and rewards redemption fees of ₹99 + GST.

Who can apply for the IDFC FIRST Millennia Credit Card?

The IDFC FIRST Millennia Credit Card is available to Indian residents aged 21-35 years, with a minimum annual income of ₹3 Lakhs. Applicants should meet the eligibility criteria set by the bank.

What documents are required for the IDFC FIRST Millennia Credit Card?

To apply for the IDFC FIRST Millennia Credit Card, you will need to submit address proof, identity proof, and income proof (bank statements or salary slips) for verification.

How do I apply for the IDFC FIRST Millennia Credit Card?

You can apply for the IDFC FIRST Millennia Credit Card online through Bajaj Markets by filling in your personal details, verifying your identity, and submitting the necessary documents.

Which is better: the IDFC FIRST Millennia or Classic Credit Card?

The IDFC FIRST Millennia Credit Card offers better rewards and lifestyle benefits than the Classic Credit Card. These include lounge access, shopping discounts, and higher reward points, making it more suitable for frequent spenders.

Is the IDFC FIRST Millennia Credit Card good for beginners?

Yes, the IDFC FIRST Millennia Credit Card is great for beginners, offering no annual fees and easy rewards. It also provides valuable perks like discounts and complimentary lounge access, helping users make the most of their credit card experience.

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