IDFC First Bank
Platinum · First Millennia
IDFC First Millennia Credit Card
IDFC First Bank
Lifetime Free card with 10X online, 3X offline, and lounge access
Annual Fee
Free
Joining Fee
Free
Reward Rate
2.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹12,000
Total Annual Benefits
₹12,000
Total Annual Charges
₹0
ROI
9999%
Fee Waiver Available
No annual fee — lifetime free card — ₹0 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Reward Points (2)
10X Reward Points on Online Spends
Earn 10X reward points on online transactions
- • Valid on online purchases
10X points
3X Reward Points on Offline Spends
Earn 3X reward points on in-store purchases
- • Valid on offline purchases
3X points
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
8 visits/year
₹20,000/yr
Reward Program
Program
IDFC First Rewards
10X online, 3X offline
Effective cashback: 2.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via IDFC Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Online
10x multiplier
10X reward points
Offline
3x multiplier
3X reward points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free |
| Annual Fee | Free Lifetime Free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.4 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
0 0 0
Lost Card Liability
₹50,000
Report within 24h
- • Fraud protection on lost/stolen card
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,500/visit
International
0 visits/year
Not available
Dreamfolks
- • 2 domestic lounge visits per quarter
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance EMI conversion facility 10X reward points on online spends 3X reward points on offline spends Lifetime Free Domestic lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IDFC First Millennia Credit Card is a Lifetime Free (LTF) Visa Platinum card offering 10X reward points on online transactions and 3X on offline s...
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