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IDFC FIRST Bank

IDFC First Millennia Credit Card

VisaMidCashback
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Annual Fee

₹500

Reward Type

Cashback

Forex

1%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹500(waived ≥ ₹1,00,000)
Min Monthly Income₹30,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

online retail3%

Travel & Global

Forex Markup1%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

IDFC First Classic Credit Card (100%) →Paytm SBI Credit Card (99%) →IDFC First Private Credit Card (95%) →IndusInd Iconia Credit Card (95%) →IndusInd Nexxt Credit Card (95%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1.5%, you need to spend ₹33,334 annually.

🎯 Pro Tips

  • ▸Earn 1.5% cashback on all spends.
  • ▸Max cashback of ₹500 per month.
  • ▸Fuel surcharge waiver on all fuel transactions.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹22,000

Effective Rate

1.8%

Ranked #23 of 173 cards⭐ Top 30

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

cashbacklifestyleshopping