Question 1

Is IDFC FIRST Millennia Credit Card really free?

Accepted Answer

Yes, IDFC FIRST Millennia Credit Card by IDFC FIRST is a lifetime free credit card with no annual or joining fee. It offers a base reward rate of 0.5% (up to 5%), making it a strong choice for cost-conscious users. CardTrail Score: 6.9/10.

Question 2

What is the reward rate on IDFC FIRST Millennia Credit Card?

Accepted Answer

IDFC FIRST Millennia Credit Card offers a base reward rate of 0.5% on regular spends, going up to 5% on select categories. Rewards are earned as Reward Points. New cardholders also get a welcome bonus of None.

Question 3

Does IDFC FIRST Millennia Credit Card have airport lounge access?

Accepted Answer

No, IDFC FIRST Millennia Credit Card does not include complimentary airport lounge access.

Question 4

What is the forex markup on IDFC FIRST Millennia Credit Card?

Accepted Answer

IDFC FIRST Millennia Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

IDFC FIRST Millennia Credit Card vs CRED RuPay Credit Card — which is better?

Accepted Answer

IDFC FIRST Millennia Credit Card (CardTrail Score: 6.9/10) and CRED RuPay Credit Card (Score: 9/10) are both rewards cards. IDFC FIRST Millennia Credit Card by IDFC FIRST has a no annual fee with 0.5% base rewards, while CRED RuPay Credit Card by IndusInd Bank has a ₹499 fee with 1% base rewards. Use our comparison tool for a detailed side-by-side analysis.

IDFC FIRST Millennia Credit Card

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