What is the annual fee for IDFC First Millenia?

IDFC First Millenia is a lifetime free credit card.

What is the reward rate on IDFC First Millenia?

IDFC First Millenia offers 3% points on general spends. It also earns 1.5% on UPI payments.

Minimum income for IDFC First Millenia?

Minimum income required is ₹1.8 lakh per year.

Overview

Rewards

Fees

Score

Verdict

Visa

IDFC First Bank

IDFC First Millenia

Annual Fee

FREE

Reward

3% points

GenieScore

42/100

Expert

3.5/5★

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Key Features

🏆

Lifetime FREE card — no income proof needed for students

✈️

3X rewards on all online purchases

💰

1.5% on all UPI payments

🎁

Eligible from Rs.1.8L/year income — most accessible IDFC card

⚡

Contactless payment enabled

Pros

Cons

Quick Specs

💳Card TypePoints

🌐NetworkVisa

💰Annual FeeLifetime Free

🎯Base Reward3% points

✈️LoungeNot included

📱UPI Rewards1.5% on UPI

🌍Forex3.5% + GST

⛽Fuel WaiverNot available

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Community Sentiment

POSITIVE

Positive

Apply Now on IDFC First Bank