✓ Data refreshed weekly✓ Issuer-verified fields
)))

•••• •••• •••• ••••

IDFC FIRST Bank

IDFC FIRST Millennia

VisaMidPoints
Apply Now

Annual Fee

₹500

Reward Type

Points

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹1,00,000)
Min Monthly Income₹25,000

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.25/point

Category Multipliers

online retail3%

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Amex MRCC (100%) →Axis Bank Neo (100%) →IndusInd Tiger (100%) →IDFC FIRST Select (98%) →HDFC Regalia Gold (97%) →

💡 Fee Waiver Strategy

Spend ₹1L/year to waive ₹500 fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1%, you need to spend ₹50,000 annually.

🎯 Pro Tips

  • ▸3X on online retail spends
  • ▸4 domestic lounge visits/year
  • ▸Steps up to IDFC FIRST Wealth

🏷️ Best For

shoppinglifestyle