IDFC FIRST Millennia Credit Card Review
The IDFC FIRST Millennia is a popular lifetime-free rewards card — accelerated points on dining and travel spends (international spends earn no points from 26 Oct 2026), 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 dining, travel and birthday spends (no points on international spends from 26 Oct 2026)
- 4 railway lounge visits/quarter (on ₹20,000 spend in the previous calendar month)
- 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 on most other spends; 1X on utilities, insurance, railways, FASTag
- Railway (not airport) lounges
- 1X on utility/insurance
Rewards & benefits
| Item | Detail |
|---|---|
| Fee | Lifetime-free |
| Accelerated | 10X on dining, travel and birthday spends |
| International spends | No reward points from 26 Oct 2026 |
| Other eligible spends | 3X online & offline |
| Utility & insurance | 1X (1 RP per ₹200) |
| Railway lounge | 4 visits/quarter (on ₹20,000 spend in previous month) |
| Welcome | ₹500 voucher (₹5,000 spend in 30 days) |
What it’s worth at your spend
Worked out on the current terms: 10X (10 points per ₹200) on dining, travel and birthday spends, 3X (3 points per ₹200) on other eligible spends and 1X (1 point per ₹200) on utilities and insurance, with 1 point = ₹0.25. That is about 1.25%, 0.375% and 0.125% back. International spends earn no points from 26 October 2026.
| Monthly domestic spend | Points a month | Value a month | Value a year |
|---|---|---|---|
| ₹20,000 (₹5,000 dining/travel, ₹12,000 other, ₹3,000 utilities) | 250 + 180 + 15 = 445 | ₹111 | ₹1,335 |
| ₹40,000 (₹10,000 dining/travel, ₹25,000 other, ₹5,000 utilities) | 500 + 375 + 25 = 900 | ₹225 | ₹2,700 |
| ₹60,000 (₹15,000 dining/travel, ₹38,000 other, ₹7,000 utilities) | 750 + 570 + 35 = 1,355 | ₹339 | ₹4,065 |
In the first year, add the ₹500 welcome voucher (₹5,000 spend in 30 days). Spending ₹20,000 a month also keeps the railway lounge visits and movie offer unlocked. Because the card has no fee, every rupee above is net gain, but at about 0.6% the rewards are modest; points expire after 24 months, so redeem regularly.
You want a lifetime-free card with no fee to recover, spend ₹20,000+ a month on a mix of dining, travel and everyday purchases, and want 0% forex as a backup card abroad.
You want high rewards: a cashback card on your main spends will return two to four times as much. It also earns little if most of your spend is utilities or insurance.
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 on dining, travel or abroad 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 dining and travel spends (international spends earn no points from 26 Oct 2026), zero forex markup, 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 for dining, travel and overseas spends.
Frequently asked questions
Is it free?
Yes — lifetime-free, with no joining or annual fee.
How does it reward spends?
10X on dining, travel and birthday spends (international spends earn no points from 26 Oct 2026), 3X on most other spends, and 1X on utilities, insurance, railways and FASTag.
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 (needs ₹20,000 spend in the previous calendar month; no airport lounge access listed).
Data current as of October 2026, cross-checked against IDFC FIRST Bank official information. Reward validity changed in 2026 — confirm the latest MITC on idfcfirstbank.com before applying.