Rewards

IDFC FIRST Millennia Credit Card

Name: IDFC FIRST Millennia Credit Card
Brand: IDFC FIRST

IDFC FIRST

6.9

CardTrail Score

Decent

out of 10

💰 Net Value

4.0

🔓 Accessibility

8.4

⚡ Feature Depth

4.5

🏦 Bank Trust

7.5

How we score →

Compare This Card Full Details

Annual Fee

Free

Forex Markup

1.99%

Reward Rate

0.5%

Up to 5%

Lounge Access

domestic | 0 intl

About This Card

The IDFC FIRST Millennia Credit Card is a rewards credit card from IDFC FIRST with lifetime free. It offers a base reward rate of 0.5% with up to 5.0% on select categories. Key perks include fuel surcharge waiver. Best suited for rewards maximizers.

Pros & Cons

Pros

No annual or joining fee
Low forex markup at 1.99%
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

Below-average base reward rate

Fee Details

Annual Fee

Free

Joining Fee

Free

Fee Waiver Condition

None

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.5%

Max Rate

Currency

Reward Points

Welcome Bonus

None

Lounge Access

Domestic Lounges

per quarter

International Lounges

Key Highlights

+ Lifetime free — zero annual fee
+ Up to 5.0% rewards on accelerated categories
+ Fuel surcharge waiver at all pumps

Compare With...

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