IDFC FIRST Millennia Credit Card
IDFC · Cashback · Visa
Annual Fee
₹499
Fee Waiver
₹50K annual spend
Lounge Access
4/year
Best Rate
2%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
2%
✈️Travel
2%
🛒Online Shopping
2%
🥦Groceries
2%
💡Utilities
2%
🎬Entertainment
2%
🛍️Shopping
2%
⛽Fuel
0%
How Points Work
2% cashback on most categories (cap ₹500/mo combined), 1% on other · Auto-credited · Zero forex
Key Benefits
2% cashback (cap ₹500/mo)Zero forex markup4 lounge visits/yr₹500 welcome cashback
PROS
✅ Simple 2% cashback
✅ Zero forex
✅ Easy fee waiver at ₹50K
✅ Lounge access
CONS
⚠️ ₹500/mo cashback cap is low
⚠️ 1% fallback rate
⚠️ Cap limits heavy spenders
Affiliate links coming soon
🐛 See something wrong with IDFC FIRST Millennia Credit Card? Report an updateWant to compare this card?
Go to Compare Tool →