IDFC FIRST Millennia Credit Card — Rewards, Fees & Value
visa · entry
Best reward rate
1.5%
Annual fee
Nil
Type
Reward points
Point value (best)
₹0.25
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Key benefits
- Lifetime free — no joining or annual fee
- 6X on dining, online shopping, movies
- 3X on all other spends
- Points never expire on active accounts
- Welcome vouchers on joining
- 4 complimentary domestic lounge visits per year (on ₹20,000 quarterly spend)
See what this card is worth for your spending
Calculate your exact points value, or let the Card Finder check whether the Millennia belongs in your stack.
FAQs
What is the reward rate on the Millennia credit card?
The IDFC FIRST Millennia Credit Card earns up to 1.5% effective value on dining & food delivery and 1.5% on online shopping. Its base rate is about 0.8%.
What is the annual fee of the Millennia?
The Millennia has no annual fee.
What is one Millennia reward point worth?
On the Millennia, one point is worth up to about ₹0.25 via its best redemption, or around ₹0.25 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with the issuer.