IDFC FIRST Millennia

IDFC FIRST Millennia Credit Card is a lifetime-free credit card designed for everyday spending and young professionals. It offers reward points on all transactions, low interest rates, and benefits like lounge access, fuel surcharge waiver, and EMI options. 

✔️ Applicant must be an Indian resident or NRI
✔️ Age: 18 to 60 years
✔️ Salaried or self-employed individual
✔️ Minimum monthly income: ₹25,000+
✔️ Good CIBIL score (750+ preferred)

✔️ Joining Fee: Nil
✔️ Annual Fee: Nil (Lifetime Free)
✔️ Interest Rate: 0.75% – 3.5% per month (approx.)
✔️ Cash Advance Fee: ₹199–₹500 (approx.)
✔️ Forex Markup: ~3.5%
✔️ Late Payment Charges: As per bank policy

✔️ Identity Proof (PAN Card mandatory)
✔️ Address Proof (Aadhaar / DL / Voter ID etc.)
✔️ Income Proof (Salary Slip / ITR / Form 16)
✔️ Bank Statements (last 3–6 months)
✔️ Passport-size photographs

Q1. Is IDFC FIRST Millennia Credit Card really lifetime free?
Ans. Yes, it has zero joining and annual fee for lifetime.

Q2. What reward points do I earn?
Ans. You get 3X rewards on regular spends and up to 10X on higher monthly spends.

Q3. Do reward points expire?
Ans. No, reward points never expire.

Q4. Does it offer lounge access?
Ans. Yes, railway lounge access is provided (quarterly basis).

Q5. Who should apply for this card?
Ans. First-time users and salaried individuals looking for a lifetime-free reward card.