IDFC First Bank · Credit Card
IDFC First Bank First Millennia Credit Card
Official product: FIRST Millennia Credit Card
- Cashback-style rewards on online spends
- Popular starter card for digital shoppers
- Accelerated reward points on popular spend categories
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Fees, rewards and eligibility shown below are decided solely by IDFC First Bank and can change without notice — always confirm current terms on the official page before applying.
Fees & Charges
- Joining Fee
- ₹0
- Annual / Renewal Fee
- ₹0
- Annual Fee Waiver Condition
- Not required — lifetime free
- Interest Rate / Finance Charge
- As per IDFC FIRST Bank card variant schedule in current MITC; variant-specific rate applies.
- Late Payment Charges
- As per IDFC FIRST Bank current MITC / schedule of charges.
- Forex Markup Fee
- Not disclosed by issuer — check official card page
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- 3X rewards on regular eligible spends and up to 10X on qualifying higher-spend tiers per variant terms.
- Reward / Cashback Cap
- Not disclosed by issuer — check official card page
- Welcome Benefits
- ₹500 voucher after ₹5,000 purchases in first 30 days + 5% cashback up to ₹1,000 on first EMI, subject to current terms.
- Domestic Lounge Access
- Not disclosed by issuer — check official card page
- International Lounge Access
- Not disclosed by issuer — check official card page
- Lounge Unlock / Spend Condition
- Not disclosed by issuer — check official card page
- Fuel Surcharge Waiver
- Not disclosed by issuer — check official card page
Eligibility & Documents
- Minimum Income / Eligibility
- Not disclosed by issuer — check official card page
- Age Eligibility
- Product-specific; bank underwriting applies.
- Employment Type
- Salaried / self-employed; secured variants may rely on FD rather than income underwriting.
- Documents Required
- KYC/PAN and income or FD-related documents as applicable to variant.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Frequently asked questions
What are the joining and annual fees for the IDFC First Bank First Millennia credit card? ▾
Joining fee: ₹0. Annual fee: ₹0. Fee waiver: Not required — lifetime free.
What rewards or cashback does the IDFC First Bank First Millennia credit card offer? ▾
3X rewards on regular eligible spends and up to 10X on qualifying higher-spend tiers per variant terms.
Who is eligible for the IDFC First Bank First Millennia credit card? ▾
Product-specific; bank underwriting applies. Salaried / self-employed; secured variants may rely on FD rather than income underwriting.