IDFC FIRST Millennia Credit Card 2025
Save up to ₹10,000+ every year on shopping, travel, fuel & movie discounts!
Looking for a lifetime free card with high rewards for everyday spends? The IDFC FIRST Millennia Credit Card is perfect for millennials!
Get 10X points on spends above ₹20K/month + birthday, 3X on up to ₹20K, 16 railway lounge visits/year, 1% fuel waiver up to ₹200/month, 25% movie discounts, ₹1,500 welcome benefits, low 8.5% APR, and never-expiring points!
Best card for young professionals with moderate spends + train travelers!
Why This Is The Best Lifetime Free Rewards Card in 2025?
10X incremental rewards • LTF zero fee • 16 railway lounges • 1% fuel waiver • Movie discounts • 45 days interest-free • Never-expiring points.
Best for: Beginners, millennials, train travelers, moderate spenders
Card At a Glance
NIL (Lifetime Free)
NIL
Up to 10X Points
1.99% + GST
16 Railway/Year
1% (up to ₹200/month)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | NIL |
| Annual Fee | NIL (Lifetime Free) |
| Welcome Benefit | ₹500 voucher on ₹5K spend + ₹1K EMI cashback |
| Rewards Redemption Fee | ₹99 + GST |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 0.75% p.m. (8.5% APR onwards) |
| Railway Lounge Access | 4 visits/quarter |
| Cash Advance Limit | 50% of credit limit |
Detailed Reward Rates (2025)
- 10X Points on spends >₹20K/month + birthday (2.5% value)
- 3X Points on spends up to ₹20K/month
- 1X Points on utilities/insurance
- 1 point = ₹0.25 cashback/vouchers
- Never expire; redeem anytime
- No points on fuel, EMI, cash advances, fees
- Bonus: 20-50 points on app travel bookings
Railway Lounge Access
- 4 complimentary visits/quarter (16/year)
- Railway lounges across India
- Primary + add-on cardholder
- Min spend ₹20K/month to unlock
Insurance & Protection Benefits
- ₹2 Lakh personal accident cover
- Zero lost card liability
- Complimentary travel insurance
- 2 free add-on cards
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Lifetime free + never-expiring points | No airport lounge access |
| 10X on incremental spends + birthday | ₹99 redemption fee |
| 16 railway lounges/year | No points on fuel/EMI |
| Low 1.99% forex + 8.5% APR | Rewards need ₹20K for max |
| ₹1,500 welcome + movie discounts | Low income eligibility |
Eligibility Criteria & Documents Required
- Age: 21-65 years
- Min Annual Income: ₹3,00,000
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Salary slips/Bank statements
How to Apply Online (5-Minute Process)
- Visit IDFC FIRST Bank website/app
- Fill basic details & check pre-approval
- Video KYC verification
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹20K+ monthly on everyday purchases + travel by train, get ₹8,000–₹15,000 value yearly. Best LTF card for millennials – excellent starter rewards card for 2025!
Frequently Asked Questions (FAQs)
Is it really lifetime free?
Yes, zero joining/annual fees forever.
Railway lounge access details?
4 visits/quarter (16/year) on ₹20K monthly spend.
Do points expire?
No, never expire – redeem anytime.
Forex fee low?
Yes, 1.99% markup for international use.