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.
Opens the issuer's site. MoneyRadar has no paid placement here.
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 ₹25,000/month · credit score 700+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
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.