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IDFC FIRST M

IDFC First Bank

IDFC FIRST Millennia Credit Card

Name: IDFC FIRST Millennia Credit Card — Honest Review 2026
Item: IDFC FIRST Millennia Credit Card
Rating: 4.3
Author: 10BestCreditCards.com

★ ★ ★ ★ ★ 4.3/5

Lifetime Free Cashback Dining

Apply Now →

✅ Verified May 2026 📋 Data from official bank website 🔗 Apply link goes directly to bank Always check official bank site before applying

💳

Annual Fee

Free

♾️ No annual fee ever

🎁

Joining Fee

Free

⭐

Our Rating

4.3/5

🛋️

Lounge Access

None

💱

Forex Markup

Zero

✅

Best For

Millennials spending on food delivery,...

🎁

Primary Reward / Cashback

5X Rewards on online; 3X offline; 10% off on Swiggy and Zomato

Lifetime Free Cashback Dining

The IDFC FIRST Millennia Credit Card from IDFC First Bank is a popular credit card for Millennials spending on food delivery, shopping and OTT apps. Here is a complete breakdown of all benefits, fees and our honest rating.

Key Benefits

Rewards: 5X Rewards on online; 3X offline; 10% off on Swiggy and Zomato
Annual Fee: Free
Joining Fee: Free
Lounge Access: None
Forex Markup: Zero

🎉 Lifetime Free Card — Zero annual fee, forever.

Best For

Millennials spending on food delivery, shopping and OTT apps

Our Honest Take

The IDFC FIRST Millennia Credit Card delivers solid value if your spending matches its reward structure. Compare it against alternatives in the same category before applying. Always verify current terms on the bank official website before applying.