IDFC First Millennia Credit Card
IDFC First Bank · Reward Points · Reward Points
This comprehensive guide covers the IDFC First Millennia Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The IDFC First Millennia Credit Card from IDFC First Bank offers reward points rewards redeemable as reward points. Top earning categories include 6x reward points on grocery and more. This card has no annual fee.
Best for: Grocery, Dining, Online Retail, General Online
Official product page → Official rules →
Annual fee: ₹0
Waiver: Lifetime free
Waiver: Lifetime free
Reward Rules
- 6 pts/$100 6x reward points on grocery
- 3 pts/$100 3x reward points on dining and online
- 1 pts/$100 1 reward point per INR 100 on all other spends
Important Notes
- Lifetime free card
- Interest-free ATM withdrawal
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
IDFC First Millennia Credit Card vs Similar Cards
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
- Axis Bank MyZone Credit Card — Reward Points · ₹500
Maximize Your Rewards
To earn the highest rewards, use the IDFC First Millennia Credit Card for its bonus categories: Grocery, Dining, Online Retail, General Online, Electronics Accessories.