IDFC FIRST Millennia
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Millennia is a no-annual-fee option centred on shopping rewards, dining rewards and travel benefits.
CardIQ editorial view
Our take
IDFC FIRST Millennia is a no-annual-fee option centred on shopping rewards, dining rewards and travel benefits.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 10 points per ₹200 on eligible dining, travel, international and birthday spends.
- Railway lounge access needs ₹20,000 spend in the preceding calendar month; points expire after 24 months.
Trade-offs to understand
- 3 points per ₹200 on other eligible purchases; utilities, insurance, FASTag and railways earn 1 point.
- Zero forex markup; optional digital companion cards have separate fees.
CardIQ verdict
A sensible long-term choice when you want shopping rewards, dining rewards and travel benefits without a recurring membership charge. Check this condition before applying: 3 points per ₹200 on other eligible purchases; utilities, insurance, FASTag and railways earn 1 point.
Compare before deciding
- UCO Bank SBI Card ELITE — A higher-fee option to compare for broader benefits around reward points and dining rewards.
- IndusInd Bank Legend — A similarly priced alternative for comparing shopping rewards and reward points.
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Benefits, limits and conditions
- 3 points per ₹200 on other eligible purchases; utilities, insurance, FASTag and railways earn 1 point.
- Zero forex markup; optional digital companion cards have separate fees.
- Railway lounge access needs ₹20,000 spend in the preceding calendar month; points expire after 24 months.