IDFC FIRST Millennia
Visa · RuPay
IDFC FIRST Millennia
IDFC FIRST Bank · Visa · RuPay
Quick answer
IDFC FIRST Millennia by IDFC FIRST Bank has an annual fee of zero (lifetime free) and APR of 42%. Best for first-card and no-annual-fee. Pay the full bill every month — carried balances cost far more than any reward.
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Joining fee
Free
Annual fee
Free
Forex markup
4%
APR
42%/yr
Fee waiver: Lifetime free — no annual fee
What you earn
- 3%Up to 10X points on incremental & online spends
- 1%on bills spends
Welcome: ₹500 voucher on ₹5,000 spend in first 30 days
Lounge access
4 domestic visits/year
Who it's for
Minimum income ₹20,000/month · credit score 700+. For salaried, self-employed.
What's great
- Lifetime free with lounge access
- Never-expiring reward points
- Low income bar
Watch out for
- Best rewards need higher spends
- Points redemption value varies
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.