IDFC FIRST Millennia Credit Card: rewards, caps and exclusions

What it earns

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Fuel
• EMI conversions
• Cash withdrawals and fees

What costs extra

Worse than earning nothing: IDFC FIRST Bank charges a fee for these.

• 1% on Rent and Property Management Fee, at least ₹249, plus GST
• 1% on Fair usage on Utility Spends, plus GST
• 1% on Fuel Fee, plus GST
• 1% on Passenger Railways Transaction Fee, plus GST
• 1% on Tolls and Bridges Transaction Fee, plus GST
• 1% on Education Payment Fee (third-party apps), at least ₹249, plus GST

Fees

• Annual fee: none
• Joining fee: none

Welcome benefit: ₹500 gift voucher on ₹5,000 spend within 30 days of card generation + 5% cashback up to ₹1,000 on the first EMI within 30 days on spending ₹5,000 within 30 days.

Where this comes from

Transcribed from IDFC FIRST Bank's own documents and checked against them on 9 October 2026:

• product page, idfcfirst.bank.in
• change notice effective 18 Jun 2026, idfcfirst.bank.in (PDF)
• change notice effective 18 Jan 2026, idfcfirst.bank.in (PDF)
• MITC created 8 Sep 2026, idfcfirst.bank.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with IDFC FIRST Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your IDFC FIRST Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works

Other IDFC FIRST Bank cards

Every card we have rules for