Joining Fee:
Apply NowFREE
Return Percentage:1% to 3%
Credit Card Overview
A First Millennia card offering cashback and accelerated rewards on online shopping, dining, and travel, tailored for young professionals.
Best Suited For: Cashback, Catalogue Products
IDFC
Fees and charges at a glance
- Annual fee
- Free
- Joining fee
- Free
- Reward rate
- 1% to 3%
- Forex markup
- 3.5%
- Interest rate
- 46.2% p.a.
- Add-on card
- ₹499
Nothing to pay each year
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
IDFC First Millennia credit card — Earn Categories
Where you earn more
- Hotels via IDFC AppTravel · Hotels69 reward points / ₹200
Get 3 Base points + 66 Bonus Reward Points on transactions completed on your Credit Card on Flight bookings done via “Travel & Shop” section on IDFC FIRST Bank Mobile App.|A maximum of 8,000 Bonus Reward Points can be earned per calendar month.
- Flights via IDFC AppTravel · Flights29 reward points / ₹200
Get 3 Base points + 26 Bonus Reward Points on transactions completed on your Credit Card on Flight bookings done via “Travel & Shop” section on IDFC FIRST Bank Mobile App.|A maximum of 8,000 Bonus Reward Points can be earned per calendar month.
Everyday rate
- Base Rewards3 Reward Points (reward points) / ₹200
11 more earning categories on this card
We track all 14 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Fuel
- EMI
- UPI