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IDFC FIRST Bank · Visa · हिन्दी

IDFC FIRST Millennia Credit Card: full review

The IDFC FIRST Millennia is the best lifetime free card in India if you want lounge access. Zero fee forever with meaningful rewards makes it a perfect wallet addition.

Apply now ↗Annual fee: Lifetime free
Last updated: August 2026 · Current terms verified
IDFC FIRST BANK
VISA
)))
MILLENNIA
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
3X reward points on online spends; 1X on offline; 10X on birthdaysReward structure
4 visits/year (domestic)Lounge access
Lifetime free, zero annual fee ever3X reward points on all online spends10X points on your birthday4 domestic lounge visits/year1% fuel surcharge waiver
Apply now ↗ Min. income: ₹3L+ per year · Credit score: 650+
Pros and cons
Pros
✓ Lifetime free with lounge access, rare combination
✓ Strong online rewards
✓ Birthday bonus is excellent
✓ Easy approval criteria
Cons
✗ Points based not direct cashback
✗ Lower offline earning rate
✗ Redemption process can be complex
Quick facts
Issuer IDFC FIRST Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+
SourceIDFC FIRST Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for IDFC FIRST Millennia Credit Card is Lifetime free. This card is lifetime free with no annual fee.
3X reward points on online spends; 1X on offline; 10X on birthdays
IDFC FIRST Millennia Credit Card is best for Lifetime free with online rewards. The IDFC FIRST Millennia is the best lifetime free card in India if you want lounge access. Zero fee forever with meaningful rewards makes it a perfect wallet addition.
The minimum income requirement for IDFC FIRST Millennia Credit Card is ₹3L+ per year. A minimum credit score of 650+ is also recommended.
Yes, IDFC FIRST Millennia Credit Card offers 4 visits/year (domestic).
IDFC FIRST Millennia Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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IDFC FIRST MillenniaLifetime free
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