FIRST Millennia Credit Card
Lifetime Free Credit Card for Everyday Rewards & Perks
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.17% travel · 0.17% dining · 0.17% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Amazon Pay ICICI
At ₹50,000/month with 15% travel and 10% dining.
Tools for FIRST Millennia Credit Card holders
Frequently asked
Is the FIRST Millennia Credit Card worth the ₹0 fee?
It depends on your spend. The FIRST Millennia Credit Card earns 0.17% base reward. Use the break-even calculator above to see your specific number.
What is the eligibility for FIRST Millennia Credit Card?
IDFC First typically requires a minimum income of ₹3,00,000/year for the FIRST Millennia Credit Card.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.