Credit Card Compare

IDFC FIRST Millennia Credit Card

Data last updated 7 October 2026
46.20%
Purchase rate
₹0
Annual fee
45 days
Interest-free
Application

CardIQ

62Good

Good

Overall score, out of 100 · How this works

  • Lifetime free73
  • Rewards39
  • Travel72

Customer reviews

No reviews yet. Be the first to review the IDFC FIRST Millennia Credit Card.

Pros & cons

What's good

    Worth noting

      Card details

      The basics

      Additional cardholder fee
      ₹499 p.a.
      Card tier
      Not published
      Card type
      Not published
      Card use
      Personal
      Credit limit
      Not published
      Credit rating
      Not published
      Rewards program
      IDFC FIRST Bank Reward Points

      Eligibility

      Instant approval
      Not published
      Joint application
      Not published
      Minimum age
      Not published
      Minimum income
      ₹3,00,000 p.a.
      Residency
      Not published
      Temporary residents
      Not published

      Rates & fees

      Ongoing interest rates

      Cash advances
      46.20% p.a.
      Purchases
      46.20% p.a.

      Fees

      Additional cardholder fee
      ₹499
      Annual fee
      No annual fee
      Cash advance fee
      —
      Foreign transaction fee
      0%
      Late payment fee
      ₹1,300
      Over limit fee
      ₹550

      Repayments

      Interest-free period
      Up to 45 days on purchases
      Minimum repayment
      MITC: minimum amount due is the sum of EMI, interest (finance charges), fees, other charges and taxes, any amount over the limit, plus 2% of the principal balance outstanding (purchases, cash and balance transfer; 5% for statements before 1 September 2024); if the total amount due is under ₹100 the minimum due is the total amount due

      Balance transfers

      This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

      Introductory purchase offer

      This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

      Rewards

      Earn rate

      Everyday spend
      3 Reward Points per ₹200
      Bonus categories
      10 Reward Points per ₹200 in bonus categories
      Other purchases
      1 Reward Point per ₹200 on other purchases
      Overseas spend
      None
      Reduced rate above monthly cap
      None
      Points cap
      Uncapped
      Points expiry
      24 months from the date they are credited

      Sign-up bonus

      Bonus spend required
      —
      Sign-up bonus
      —

      Where this card sits vs similar cards

      Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

      Annual fee₹0Tied for best (1st of 11 cards)
      Overseas feeNo feeBest in market (1st of 11 cards)
      Purchase rate46.20%Not as good as most cards (9th of 11 cards)
      Rewards value₹3,375 a yearAmong the weakest we track (7th of 7 cards)
      Interest-free days45 daysAmong the weakest we track (11th of 11 cards)

      Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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      Questions and answers

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      Sources

      Credit Card Compare
      How CardIQ scores cards
      Issuer
      IDFC FIRST Bank