IDFC FIRST Millennia Credit Card

by IDFC FIRST Bank · Updated October 2026

Lifetime free card with non-expiring points and up to 10X rewards on higher spends.

Best for Free everyday card · Lifetime free, 10X

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You'll apply on the official IDFC FIRST Bank page. We never ask for your details.

Joining feeFree

Annual feeFree

Fee waiverNot needed

Lounge accessRailway lounges (spend-based)

UPINo

Key benefits

Up to 10X reward points on spends above ₹20,000 a month

Non-expiring reward points

Railway lounge visits (spend-based)

Movie and dining discounts

Rewards by spend category

Approximate value back on every ₹100 you spend.

Online shopping1%

Groceries1%

Food delivery & dining1%

Travel & flights1%

Everything else1%

Bills & recharges0.5%

Fuel–

UPI scan & pay–

Pros

Lifetime free
Points never expire
Easy approval

Cons

Best rate only above ₹20,000/month
3.5% forex markup
No airport lounges

Is the IDFC FIRST Millennia Credit Card worth it?

The IDFC FIRST Millennia Credit Card is worth it if you spend a lot on online shopping (1%) and groceries (1%). Since it's lifetime free, every rupee of reward is pure gain, so it's worth keeping even as a backup card. It's less suitable if best rate only above ₹20,000/month.

Featured in: Best Lifetime Free Credit Cards in India · Best Credit Cards for Students & Beginners

Compare: IDFC FIRST Millennia vs Amazon Pay ICICI

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

Tap "Apply now"You'll be taken to the official IDFC FIRST Bank application page.
Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.

Apply now