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IDFC FIRST M
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IDFC FIRST Millennia Credit Card

โ˜… โ˜… โ˜… โ˜… โ˜… 4.3/5
Lifetime Free Cashback Dining
Apply Now โ†’
โœ… Verified November 2026 ๐Ÿ“‹ Data from official bank website ๐Ÿ”— Apply link goes directly to bank Always check official bank site before applying
๐Ÿ’ณ
Annual Fee
Free
โ™พ๏ธ No annual fee ever
๐ŸŽ
Joining Fee
Free
โญ
Our Rating
4.3/5
๐Ÿ›‹๏ธ
Lounge Access
None
๐Ÿ’ฑ
Forex Markup
Zero
โœ…
Best For
Millennials spending on food delivery,...
๐ŸŽ
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.

โฑ 1 min read๐Ÿ“… 24 Mar 2026โœ๏ธ Raj Thakur
โœ… Verified November 2026  ยท  ๐Ÿ” Reviewed by editorial team  ยท  ๐Ÿ“Š Official bank data
๐Ÿ“‹ In this article
  1. Key Benefits
  2. Best For
  3. Our Honest Take

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

๐ŸŽ‰ Lifetime Free Card โ€” 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.

RT
Raj Thakur
Credit Card Analyst ยท 10BestCreditCards.com

Raj has reviewed 150+ credit cards across all major Indian banks. He specialises in cashback optimisation, travel rewards and forex savings. All data is sourced directly from official bank websites.

โš ๏ธ Affiliate disclosure: Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you. This does not influence our rankings.

Frequently Asked Questions

The annual fee is Free. This card has no annual fee ever โ€” it is lifetime free.
Millennials spending on food delivery, shopping and OTT apps
5X Rewards on online; 3X offline; 10% off on Swiggy and Zomato
Click the "Apply Now" button on this page. It takes you directly to the official IDFC First Bank application page. You will need your PAN card, Aadhaar and income proof.
Ready to apply?
IDFC FIRST Millennia Credit Card
Annual fee: Free
Apply at IDFC First Bank โ†’
You will be taken to the official bank website. 10BestCreditCards.com is not affiliated with any bank.

Quick Summary

Annual Fee Free
Joining Fee Free
Lounge Access None
Forex Markup Zero
Our Rating 4.3/5 โญ
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โš ๏ธ Card details are updated regularly but may change. Always verify fees, rewards and eligibility on the official bank website before applying.

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