IDFC bank
IDFC FIRST millennia credit card
Get the IDFC FIRST Millennia Credit Card — a lifetime free credit card with rewards on everyday spending, shopping, dining, and lifestyle benefits.
Highlights
Main benefits
- Lifetime free credit card
- Reward points never expire
- Accelerated rewards on select spends
- Complimentary railway lounge access
- 1% fuel surcharge waiver
- Lifestyle and dining benefits.
Fees
Fees and charges
Joining fee
0
Renewal fee
0
Annual fee waiver
No joining fee and no annual fee for lifetime.
Who can apply
Eligibility
- Age: 21–65 years
- Salaried and self-employed applicants can apply
- Stable income source required
- Good credit score preferred (750+ improves approval chances)
Checklist
Documents required
- PAN Card
- Aadhaar Card
- Address Proof
- Income Proof / Salary Slip
- Passport-size Photograph
Process
How to apply
1. Visit the official IDFC FIRST Millennia Credit Card page.
2. Click on “Apply Now."
3. Enter your details:
- Mobile number
- PAN card
- Date of birth
- Employment and income details
4. Check eligibility. IDFC FIRST Bank may instantly show your eligibility status.
5. Upload required documents (if needed):
- PAN card
- Aadhaar/address proof
- Salary slips or bank statements
- Income proof for self-employed applicants
6. Complete video KYC / OTP verification for digital approval.
7. Application review and approval. The bank checks:
- Credit score
- Income details
- Employment profile
- Existing banking relationship
8. Card delivery. After approval, the physical card is delivered to your registered address.
Value
Reward and cashback structure
Reward rate
Earn reward points on every spend with accelerated rewards on select categories and merchants.
Cashback
Earn reward points on spending instead of direct cashback benefits.
Good fit
Pros
- No annual fee for lifetime
- Good rewards for everyday spending
- Reward points never expire
- Complimentary railway lounge access
- Useful lifestyle benefits
- Good beginner-friendly credit card
Watchouts
Cons
- No major airport lounge access
- Lower cashback than premium cashback cards
- Rewards are not direct cashback
- Best benefits available on select spends
- Limited premium travel benefits
Related
Related cards
Compare
Compare Cards
| Field | IDFC FIRST millennia credit card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | IDFC bank | HDFC Bank |
| Joining fee | 0 | ₹10,000/- plus Applicable Taxes |
| Renewal fee | 0 | ₹10,000/- plus Applicable Taxes |
| Best for | Online shopping, dining, everyday spending, and lifestyle rewards | Luxury travel, airport lounge access, and maximum reward points on high spending |
| Reward rate | Earn reward points on every spend with accelerated rewards on select categories and merchants |
|
| Cashback | Earn reward points on spending instead of direct cashback benefits | Cashback redemption value: around ₹0.30 per point against statement balance |
| Lounge access | Included railway lounge access on eligible transactions | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| Fuel surcharge waiver | 1% fuel surcharge waiver on eligible fuel transactions | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| Welcome benefit | Enjoy welcome offers and bonus rewards on eligible card activation and spending | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| Annual fee waiver condition | No joining fee and no annual fee for lifetime | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| Eligibility |
|
|
| Apply link | Apply | Apply |