IDFC FIRST Millennia Credit Card

IDFC FIRST Bank · Lifetime free

A lifetime free card with no forex markup and 1.25% back on dining, travel and spending abroad.

Base rate: 0.38% as Reward Point.

What the bank says

• Lifetime free
• 10X points on dining, travel and international spends
• 3X points on other eligible spends
• Zero foreign currency markup
• 4 railway lounge visits a quarter

Where it pays more

• 1.25% on dining, travel and international spends (10X points)
• 0.13% on utility bills and insurance (1X points)

Things that catch people out

• No points on fuel, EMI purchases or cash withdrawals.
• Each redemption carries a ₹99 plus GST charge.

Joining fee: ₹0. Foreign currency markup: 0%.

Read from IDFC FIRST Bank’s own page on 2026-09-16.

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