FIRST Millennia Credit Card
IDFC FIRST Bank
Last verified: 6 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Dining and food delivery (MCC 5812 Eating Places and Restaurants, 5813 Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques, 5814 Fast Food Restaurants) | 1.25% | No cap |
Travel (MCC 4511 Airlines and Air Carriers (Not Elsewhere Classified), 4722 Travel Agencies and Tour Operators, 4723 Package Tour Operators – Germany Only, 7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified)) | 1.25% | No cap |
Hotel bookings made inside the FIRST Rewards Gallery on the IDFC FIRST Bank mobile app (MCC 7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified)) | 5% | ₹2,000/monthly |
Flight bookings made inside the FIRST Rewards Gallery on the IDFC FIRST Bank mobile app (MCC 4511 Airlines and Air Carriers (Not Elsewhere Classified)) | 2.5% | ₹2,000/monthly |
| All other spends | 0.38% | No cap |
Redemption fee: 99
Managed via IDFC FIRST Bank mobile app — FIRST Rewards / FIRST Rewards Gallery, firstrewards.in, Pay with Points at the payment gateway
Transfer partners
Instant Discounts
Booking must be made through the District by Zomato mobile app. To qualify in a given month the cardholder must have made at least one transaction on the card in the previous calendar month.
The bank's older material named Paytm as the movie partner; the current product page and the May-2026 cardmember communication both name District by Zomato. This is a flat discount, not a buy-one-get-one, so movie_bogo is false.
Applies only at restaurants on the bank's partner list, published on firstrewards.in and in the mobile app. The list rotates.
Marketed as up to 20% off across 1,500+ restaurants. Because the partner set is a rotating list rather than a fixed merchant roster, this is joined on dining MCCs rather than merchant ids. Verify against the live offers hub before surfacing to users.
Live Offers
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Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle. GST on the surcharge is not reversed.
Welcome Benefit
₹500 gift voucher from a choice of brands (Amazon, BigBasket, Uber, Lifestyle and others). Condition: Spend ₹5,000 or more within 30 days of card generation. 30 days runs from the SMS/email confirming the card was issued. Primary card spends only. Fulfilment: SMS/email within 4–5 working days of hitting the spend, with a link to the rewards section of the mobile app. Voucher must be picked and redeemed within 90 days of that message. Exclusions: UPI transactions, add-on card transactions, wallet loads, EMI-converted transactions and ATM cash withdrawals do not count. Reversed, cancelled or disputed transactions are stripped out.
5% cashback on the first EMI transaction, capped at ₹1,000. Condition: First EMI conversion within 30 days of card generation. Fulfilment: Credited within 90 days of the offer end date. Exclusions: Gold and jewellery transactions are not eligible for EMI conversion. Delinquent accounts at fulfilment time are disqualified. Reversed, cancelled, foreclosed or disputed EMI transactions are excluded.
Annual Benefit
Complimentary 24/7 roadside assistance worth ₹1,399, usable up to 4 times per year
Only the roadside assistance package is counted here. Per Rule 4, the railway lounge access, the 25% movie discount, the 1% fuel surcharge waiver and the 300+ merchant offers are benefits of other kinds and are recorded in their own fields — they are deliberately not restated as annual_benefit_value. There is no annual fee to waive, so no waiver value is counted either. The ₹1,399 figure is the bank's own stated value of the assistance package; realised value depends on whether the cardholder ever calls it out.
Insurance Cover
Personal accident cover₹2,00,000
Lost card liability cover₹25,000
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 3.5% |
| Interest Rate | 46.2% p.a. |
| Cash Advance Fee | ₹199 + GST per transaction, with no interest for up to 45 days. Withdrawal limit ₹10,000 per transaction, subject to the cash limit. |
| Reward Redemption Fee | 99 |
| Min Income Eligibility | ₹3,00,000 per annum (₹25,000 per month). Applicant must be 18 or older and an Indian resident. |
