IDFC First Millennia credit card credit card
Joining Fee:

FREE

Return Percentage:

1% to 3%

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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

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Fees and charges at a glance

Annual fee
Free

Nothing to pay each year

Joining fee
Free

No cost to get the card

Reward rate
1% to 3%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
46.2% p.a.

Only if you don't pay the full bill

Add-on card
₹499

An extra card for family

IDFC First Millennia credit card — Lounge Access

Railway lounge

4 per quarterquarter
  • spend a minimum of ₹20,000 in the previous calendar month