Credit Card Compare

IDFC FIRST Millennia Credit Card

Data last updated 7 October 2026
46.20%
Purchase rate
₹0
Annual fee
45 days
Interest-free
Application

CardIQ

62Good

Good

Overall score, out of 100 · How this works

  • Lifetime free73
  • Rewards39
  • Travel72

Customer reviews

No reviews yet. Be the first to review the IDFC FIRST Millennia Credit Card.

Pros & cons

What's good

  • No annual fee.
  • No foreign transaction fee on overseas or online spending.
  • Earns 10 Reward Points per ₹200 on bonus categories.

Worth noting

  • Add-on cards cost ₹499 plus GST a year.
  • The 46.2% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • Earns 3 Reward Points per ₹200 on everyday spend, below the dataset average.
  • Requires a minimum income of ₹3,00,000 a year.

Card details

The basics

Additional cardholder fee
₹499 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IDFC FIRST Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
₹3,00,000 p.a.
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
46.20% p.a.
Purchases
46.20% p.a.

Fees

Additional cardholder fee
₹499
Annual fee
No annual fee
Cash advance fee
—
Foreign transaction fee
0%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
MITC: minimum amount due is the sum of EMI, interest (finance charges), fees, other charges and taxes, any amount over the limit, plus 2% of the principal balance outstanding (purchases, cash and balance transfer; 5% for statements before 1 September 2024); if the total amount due is under ₹100 the minimum due is the total amount due

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
3 Reward Points per ₹200
Bonus categories
10 Reward Points per ₹200 in bonus categories
Other purchases
1 Reward Point per ₹200 on other purchases
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
24 months from the date they are credited

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 11 cards)
Overseas feeNo feeBest in market (1st of 11 cards)
Purchase rate46.20%Not as good as most cards (9th of 11 cards)
Rewards value₹3,375 a yearAmong the weakest we track (7th of 7 cards)
Interest-free days45 daysAmong the weakest we track (11th of 11 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the IDFC FIRST Millennia Credit Card against every other card in its category.

Lifetime freeRewardsView all →

Questions and answers

No questions yet. Ask the first one about IDFC FIRST Millennia Credit Card.

Sources

Credit Card Compare
How CardIQ scores cards
Issuer
IDFC FIRST Bank