IDFC FIRST Millennia Credit Card Review
The IDFC FIRST Millennia is a popular lifetime-free rewards card — accelerated points on higher monthly spends, railway lounge access, movie and fuel perks. IDFC adjusted reward validity in 2026, so it’s worth knowing the current terms. Here is the verified review.
- Lifetime-free
- 10X on incremental spends above ₹20,000/month + birthdays
- 4 railway lounge visits/quarter
- 25% movie discounts; fuel surcharge waiver
- ₹500 welcome voucher
- Points now expire in 24 months (were lifetime)
- Rewards only up to credit limit per cycle
- 3X base below ₹20,000/month
- Railway (not airport) lounges
- 1X on utility/insurance
Rewards & benefits
| Item | Detail |
|---|---|
| Fee | Lifetime-free |
| Accelerated | 10X on birthday + incremental spends above ₹20,000/month |
| Up to ₹20,000/month | 3X online & offline |
| Utility & insurance | 1X (1 RP per ₹150) |
| Railway lounge | 4 visits/quarter |
| Welcome | ₹500 voucher (₹5,000 spend in 30 days) |
Eligibility & documents
Age
21 to 60 years
Fee
Lifetime-free
Network
Visa / RuPay
Points validity
24 months (from June 2026)
Best for
Everyday spenders; ₹20k+/month
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: everyday users who want a no-fee card and spend above ₹20,000/month for 10X.
- Skip if: you need airport lounges or relied on lifetime point validity.
How to apply & how to cancel
Apply: via idfcfirstbank.com. Cancel: call IDFC FIRST after clearing dues; redeem points first.
Final verdict
The IDFC FIRST Millennia remains a strong lifetime-free everyday card — 10X on incremental spends, railway lounges and movie/fuel perks at no cost. The 2026 move to 24-month point validity is the main caveat; for no-fee everyday use it still delivers, especially above ₹20,000/month.
Frequently asked questions
Is it free?
Yes — lifetime-free, with no joining or annual fee.
How does it reward spends?
10X on birthdays and incremental monthly spends above ₹20,000, 3X up to ₹20,000, and 1X on utility/insurance.
What changed in 2026?
Reward points now expire after 24 months (previously lifetime), effective from the July 2026 statement cycle.
Does it offer lounge access?
4 railway lounge visits per quarter (airport access is limited).
Data current as of June 2026, cross-checked against IDFC FIRST Bank and aggregators. Reward validity changed in 2026 — confirm the latest MITC on idfcfirstbank.com before applying.