IDFC FIRST Bank · Scored card guide

IDFC FIRST Millennia

10X dining/travel, 3X eligible everyday, at ₹0.25 per point. No annual or joining fee.

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How this estimate works

The issuer June 2026 update replaces the old ₹20,000 monthly 10X gate: eligible dining, travel and international purchases earn 10 points per ₹200 from the first transaction; other eligible categories earn 3 points per ₹200; utility, insurance, railway and FASTag earn 1 point per ₹200. This calculator estimates dining and travel at 10X when the transaction MCC qualifies, everyday shopping, groceries and eligible online purchases at 3X; generic Utilities is left unscored because MCC/payment route are not established. Fuel, cash withdrawals and EMI earn no points. The issuer values each point at ₹0.25 and charges ₹99 plus GST per redemption; model assumes one redemption at year-end when accrued point value exceeds that fee. No joining or annual card fee; birthday, bank-app travel bonuses, partner offers and additional spend are not modeled. Issuer says points credited from July 2026 remain valid for 24 months. Reward eligibility requires paying at least the Minimum Amount Due by the due date; carrying a balance can erase returns. This model assumes one eligible transaction monthly and does not verify MCC or cap imposed by the credit limit. Sources: https://www.idfcfirst.bank.in/credit-card/millennia ; June update: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Millennia-Credit-Card-Communication-May-26.pdf .

Rewards require an eligible merchant code and timely payment. A single annual redemption fee is deducted in the model; at low spending it can consume the point value.

Issuer sources

https://www.idfcfirst.bank.in/credit-card/millennia
https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Millennia-Credit-Card-Communication-May-26.pdf

Checked 27 Sep 2026. Terms can change. Check issuer eligibility before applying.

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