IDFC FIRST Bank FIRST Millennia Credit Card

IDFC FIRST Bank · Open to apply

IDFC FIRST Bank's lifetime-free entry card. Since 18 June 2026 it pays 10X (10 points per ₹200, about 1.25%) on dining, travel and international spends from the first rupee and 3X (about 0.4%) on most other spends, with zero forex markup, 4 railway lounge visits a quarter on ₹20,000 of monthly spend, and a 25% movie discount.

Annual fee
Lifetime free
Joining fee
None
Base rate
Everything else, 3X (3 points per ₹200): 3 IDFC FIRST Bank reward points per ₹200 (about 0.38% at cash value)
Lounges
Railway: 4 visits a calendar quarter after ₹20,000 spend
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 20% bonus points (20 points per ₹100): 20 IDFC FIRST Bank reward points per ₹100 on top of the base rate (about 5% at cash value)
  • Flights booked in the IDFC FIRST app, 10% bonus points (10 points per ₹100): 10 IDFC FIRST Bank reward points per ₹100 on top of the base rate (about 2.5% at cash value)
  • 10X on dining, flights and hotels: 10 IDFC FIRST Bank reward points per ₹200 (about 1.25% at cash value)
  • 10X on travel agencies and booking sites: 10 IDFC FIRST Bank reward points per ₹200 (about 1.25% at cash value)
  • 10X on international purchases: 10 IDFC FIRST Bank reward points per ₹200 (about 1.25% at cash value)

Earns nothing on

  • No points on fuel, EMI transactions and cash withdrawals

Where the sources disagree

  • App travel bonus rate: The December 2025 letter announces "33% Bonus Reward Points on hotel bookings" and "13% Bonus Reward Points on flight bookings" in the app. The May 2026 letter says holders "continue to earn" 20% and 10%, and the app travel T&C gives 20% and 10%. We use 20% and 10% from 18 June 2026.
  • Expiry month of the existing points balance: The MITC says the balance as on the June 2026 cycle is valid up to the June 2028 cycle; the May 2026 letter says the balance as of the July 2026 cycle stays valid until July 2028.

Terms the calculator does not value

  • 10X on spends made on the cardholder's birthday (product page). The calculator has no date-based rule.
  • UPI on the RuPay add-on earns 1X up to ₹2,000 a payment and 3X above. The calculator applies the rule the typical UPI payment reaches (1X), which understates a reader whose UPI payments are larger.
  • The app travel bonus percentages are read as points per ₹100 of spend (20% = 20 points per ₹100), the basis the app T&C uses for its base ("5%" = 10 points per ₹200).
  • No points for a billing cycle in which at least the minimum amount due is not paid by the due date (from 18 January 2026); points already posted are reversed.
  • Points are earned only on spends up to the credit limit in a billing cycle (from 18 June 2026). The calculator does not know the credit limit.
  • Points lapse 24 months after they are credited. The calculator assumes they are redeemed in time.
  • Cabs and other local travel are not in the 10X travel MCC list, so they earn 3X here. Only the named booking sites are matched as travel agencies. Rent, wallet loads, government and education earn 3X unless they are international.
  • The utility, insurance and app travel bonus rates between 18 January and 17 June 2026 and before are not entered: the December 2025 letter states only the 3X/10X tiers and the FASTag and railway change, and announces app bonuses of 33% on hotels and 13% on flights that later documents do not repeat.

Sources

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