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IDFC FIRST Bank · Entry · lifetime free

FIRST Millennia

Where it ranks across all 187 cards
#51 Flights 1.3% direct #51 Hotels 1.3% direct #55 Dining out 1.3% direct
#54 Wallet load 0.4% direct #77 Education 0.4% direct #109 Jewellery & watches 0.4% direct #113 Gaming 0.4% direct #121 Mobile / broadband 0.4% direct #137 Cabs & transit 0.4% direct #146 Health & pharmacy 0.4% direct #147 Other 0.4% direct #148 Electronics 0.4% direct #150 Groceries 0.4% direct #152 Movies & events 0.4% direct #153 Food delivery 0.4% direct #154 Online shopping 0.4% direct #154 Fashion 0.4% direct #97 Insurance 0.1% direct #112 Utility bills 0.1% direct #164 Train tickets 0.1% direct
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Engine value - conservative, what rankings use
₹0.25/pt
0.38%
Vouchers / catalogue
₹0.25/pt
0.38%
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.38%base rate
3 pts / ₹200
source
Source: FIRST Millennia Credit Card - idfcfirstbank.com - read 25 Sep 2026
10 pts / Rs 200 on dining, travel and international spends
1.25%this rule
10 pts / ₹200
how it works & source
Bank's own wording says 'Travel' broadly and also grants 10X on birthday spends; mapped Travel to flights+hotels categories since a generic travel category does not exist in our taxonomy.
Source: FIRST Millennia Credit Card - idfcfirstbank.com - read 25 Sep 2026
10 pts / ₹200 on international spends
1.25%this rule
10 pts / ₹200
source
Source: FIRST Millennia Credit Card - idfcfirstbank.com - read 25 Sep 2026
1 pt / Rs 200 on utilities, insurance, FASTag and railway spends
0.13%this rule
1 pt / ₹200
how it works & source
FASTag recharge is included in the bank's list but has no dedicated category in our taxonomy; omitted from match.categories.
Source: FIRST Millennia Credit Card - idfcfirstbank.com - read 25 Sep 2026
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
₹5,000 / year
Rs 500 gift voucher from top brands on spending Rs 5,000 within 30 days of card generation (one-time welcome benefit, not a recurring annual milestone - 'year' used only because the schema has no 'once' option)
₹500estimated value
Earns nothing on1 exclusion
Fuel, EMI
earns nothing
Fuel, EMI conversions and cash withdrawals earn zero reward points.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, EMI
Source: FIRST Millennia Credit Card - idfcfirstbank.com - read 25 Sep 2026
₹500 gift voucher, choice of brands
on joining · spend ₹5,000 or more within 30 days of card activation
Source: IDFC FIRST Bank - FIRST Millennia card page - idfcfirst.bank.in - read 11 Oct 2026
₹500value
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
District by Zomato
25% off up to ₹100 on movie tickets via the District app, once a month, when you stay spend-active with any transaction in the previous calendar month
Source: IDFC FIRST Bank - FIRST Millennia card page - idfcfirst.bank.in - read 11 Oct 2026
25%up to ₹100 a month
Rent
IDFC FIRST rent fee 1% + GST (minimum ₹249)
1%
Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.
10X on your birthday
Spends on your birthday earn 10X (1.25%). We cannot know your birthday, so it is left out.
Source: IDFC FIRST Millennia page - idfcfirstbank.com - read 26 Sep 2026
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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