1Ranked firstIFIDFC FIRST BankIDFC FIRST MillenniaNo annual fee · IN
No Annual Fee · India
IDFC FIRST Millennia Credit Card
4.3 / 5 editorial score
Best for: a lifetime free card with zero forex markup and 10X rewards on dining, travel and international spends.
Annual feeNo annual fee
IssuerIDFC FIRST Bank
NetworkSee issuer
Welcome offer₹500 voucher on spending ₹5,000 within 30 days of activation…
Interest rate8.5% to 46.2% a year, depending on…
Foreign feeZero forex markup
Who qualifiesSee issuer for income and CIBIL requ…
Why it ranks
- No joining or annual fee, with no spend condition
- Zero forex markup is uncommon on a free card
- The 10X rate applies from the first eligible transaction
What holds it back
- No airport lounge access; railway lounge visits need ₹20,000 monthly spend
- Utilities, insurance, railways and FASTag earn only 1X
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The FIRST Millennia is a lifetime free IDFC FIRST Bank card with zero forex markup. Since June 2026 it earns 10X Reward Points on dining, travel and international spends from the first transaction, and 3X on most other spends.
IDFC FIRST Millennia Credit Card at a glance
| Issuer | IDFC FIRST Bank |
| Card network | See issuer |
| Annual fee | Lifetime free |
| Welcome bonus | ₹500 voucher on spending ₹5,000 within 30 days of activation, plus 5% cashback up to ₹1,000 on the first EMI transaction within 30 days |
| Rewards rate | 10X Reward Points on dining, travel and international spends from the first transaction (from 18 June 2026); 3X on other spends; 1X on insurance, utilities, railways and FASTag; no points on fuel, EMI or cash withdrawals |
| Intro APR | None |
| Regular APR | 8.5% to 46.2% a year, depending on credit profile |
| Foreign transaction fee | Zero forex markup |
| Airport lounge access | No airport lounge access; 4 railway lounge visits a quarter, unlocked by spending ₹20,000 in the previous calendar month |
| Credit needed | See issuer for income and CIBIL requirements |
| Best for | Lifetime free rewards on dining, travel and foreign spends with zero forex markup |
Key features
- 10X Reward Points on dining, travel and international purchases with no minimum spend
- Zero forex markup on international spends
- Interest-free ATM cash withdrawals for up to 45 days (₹199 fee per withdrawal)
- 25% off movie tickets up to ₹100 once a month, if the card was used the previous month
- 1% fuel surcharge waiver up to ₹200 a month
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: idfcfirst.bank.in · idfcfirst.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | IFIDFC FIRST BankIDFC FIRST MillenniaNo annual fee · IN IDFC FIRST Millennia Credit CardLifetime free rewards on dining, travel and foreign spends with zero forex markup |
None | 10X Reward Points on dining, travel and international spends from the first tran… | ₹500 voucher on spending ₹5,000 within 30 days of activation… | Zero forex markup | See issuer for income and CIBIL… | |
| 2 | FTFPL Technologies, issued with partner banks (BOBCARD, CSB Bank, Federal Bank, SBM Bank, South Indian Bank, Indian Bank)One OneCardNo annual fee · IN One Credit Card (OneCard)Young earners who want a free metal card with app controls and low forex fees |
None | 1 reward point per ₹50 spent; 5X on your top 2 spend categories each month (mini… | See issuer for the current offer | 1% forex markup | Age 18 to 60; a credit score of… | |
| 3 | ASAU Small Finance BankAU LITNo annual fee · IN AU LIT Credit CardPeople who want a free card and will pay only for the benefits they use |
None | 1 Reward Point per ₹100 base (up to 10,000 points a cycle); optional paid featur… | See issuer for the current offer | See issuer | Resident Indian; salaried 21 to… | |
| 4 | KMKotak Mahindra BankKotak 811 #DreamDifferentNo annual fee · IN Kotak 811 #DreamDifferent Credit CardNew-to-credit users who can place a fixed deposit and want a free card |
None | 2 points per ₹100 online, 1 per ₹100 on other spends; none on fuel or railways | No fixed welcome bonus; lifetime free card | 4% markup on foreign curre… | Secured card: fixed deposit of a… |
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