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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
IDFC FIRST · Visa

FIRST Millennia Credit Card

Best forGroceries & Dining
Earns3 RP/₹150 on groceries
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Visa
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Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on groceries and dining, where it earns 3 RP/₹150
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Groceries3 RP/₹150
Dining3 RP/₹150
Food Delivery3 RP/₹150
Shopping3 RP/₹150
Travel3 RP/₹150
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNot a good fit—3 RP / ₹150 (2.0 RP / ₹100 = 0.50% standard @ ₹0.25) on rent payments
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 (2.0 RP / ₹100 = 0.50% standard @ ₹0.25) on rent payments. Excluded from 10X threshold. Subject to 1% fee + 18% GST (min ₹249 floor) per FR-IDFC-01-RENT, resulting in net negative return (-0.68% or worse). Marked DO_NOT_RECOMMEND.
EducationNot a good fit—3 RP / ₹150 (2.0 RP / ₹100 = 0.50% standard return) on education spend (MCC 8211, 8220, 8241, 8244, 8249, 8299)
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 (2.0 RP / ₹100 = 0.50% standard return) on education spend (MCC 8211, 8220, 8241, 8244, 8249, 8299). Excluded from 10X threshold w.e.f. May 1, 2024. Direct school website (CH01) incurs ₹0 fee; third-party apps (CH02) incur 1% fee + 18% GST (min ₹249 floor) per FR-IDFC-01-EDU. Marked DO_NOT_RECOMMEND to protect against aggregator penalties.
Insurance1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100 = 0.167% standard @ ₹0.25) on insurance premium payments
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
1 RP / ₹150 (0.667 RP / ₹100 = 0.167% standard @ ₹0.25) on insurance premium payments. Excluded from 10X incremental threshold.
Utilities1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100 = 0.167% standard @ ₹0.25) on utility bills
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
1 RP / ₹150 (0.667 RP / ₹100 = 0.167% standard @ ₹0.25) on utility bills. Excluded from 10X incremental threshold. 1% fee + 18% GST on aggregate utility spend exceeding ₹20,000 per statement cycle (MCC 4814, 4816, 4899, 4900) per FR-IDFC-01-UTIL. Personal utility spends <= ₹20k are fee-free.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel transactions excluded from earning reward points. 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle per FR-IDFC-01-FUEL. GST on surcharge is not waived.
Groceries3 RP/₹150—3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25)
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25); eligible for 10X incremental rewards on aggregate spends exceeding ₹20,000 per statement cycle on Groceries.
Dining3 RP/₹150—3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25)
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25); eligible for 10X incremental rewards on aggregate spends exceeding ₹20,000 per statement cycle on Dining.
Food Delivery3 RP/₹150—3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25)
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25); eligible for 10X incremental rewards on aggregate spends exceeding ₹20,000 per statement cycle on Food Delivery.
Shopping3 RP/₹150—3 RP / ₹150 base (revised from 6X online w.e.f
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 base (revised from 6X online w.e.f. May 1, 2024); eligible for 10X incremental rewards on aggregate spends exceeding ₹20,000 per statement cycle on Shopping.
Travel3 RP/₹150—3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25)
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25); eligible for 10X incremental rewards on aggregate spends exceeding ₹20,000 per statement cycle on Travel. 3.5% forex markup on international transactions.
Government3 RP/₹150—3 RP / ₹150 on government transactions (MCC 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950)
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 on government transactions (MCC 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950). Excluded from 10X incremental threshold w.e.f. May 1, 2024.
Wallet3 RP/₹150—3 RP / ₹150 on wallet loads (MCC 6540)
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 on wallet loads (MCC 6540). Excluded from 10X incremental threshold w.e.f. May 1, 2024.
Railways1 RP/₹150—1 RP / ₹150 on railway bookings
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
1 RP / ₹150 on railway bookings. Excluded from 10X incremental threshold. 4 complimentary railway lounge visits per quarter (subject to ₹20,000 spend in the previous calendar month).
FASTag1 RP/₹150—1 RP / ₹150 on FASTag recharges
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
1 RP / ₹150 on FASTag recharges. Excluded from 10X incremental threshold.
Jewellery3 RP/₹150—3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25)
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
3 RP / ₹150 base (2.0 RP / ₹100 = 0.50% standard @ ₹0.25); eligible for 10X incremental rewards on aggregate spends exceeding ₹20,000 per statement cycle on Jewellery. EMI conversion restricted.
Telecom1 RP/₹150—1 RP / ₹150 on Telecom spends
Details
Status
Verified
Source
SRC-IDFC-MILLENNIA
Issuer note
1 RP / ₹150 on Telecom spends. Excluded from 10X incremental threshold.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
  • Fuel — ₹200 / month (per category — Fuel)

Key benefits

Rewards
3 RP/₹150 on groceries
Lounge access
4 complimentary railway lounge visits/quarter (subject to ₹20k spend in previous calendar month)
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹200 per month per CAP-IDFC-01-FUEL-WAIVER
Foreign-currency markup
3.5% foreign-currency markup — Standard 3.5% foreign currency transaction markup fee on international spends

Important to know

Limits and exclusions that change what you earn.

  • Fuel rewards are capped at ₹200 / month (per category — Fuel)
  • No reward on: Fuel
  • Not recommended for: Rent, Education

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in groceries, dining, food delivery
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 3 no-reward categories
Caps
  • Fuel — ₹200 / month (per category — Fuel)
Categories with no reward or not eligible
  • Rent — Not a good fit. 3 RP / ₹150 (2.0 RP / ₹100 = 0.50% standard @ ₹0.25) on rent payments.
  • Education — Not a good fit. 3 RP / ₹150 (2.0 RP / ₹100 = 0.50% standard return) on education spend (MCC 8211, 8220, 8241, 8244, 8249, 8299).
  • Fuel — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Income/age bands are indicative; bank underwriting

Specifications
  • Payment network: Visa
  • Airport lounge: 4 complimentary railway lounge visits/quarter (subject to ₹20k spend in previous calendar month)
  • Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹200 per month per CAP-IDFC-01-FUEL-WAIVER. GST on surcharge is not waived.
  • Foreign-currency markup: 3.5% foreign-currency markup — Standard 3.5% foreign currency transaction markup fee on international spends.
What DhanChakshu couldn't fully verify · nothing outstanding

Every category and product fact recorded for this card is resolved.

Sources & verification

Verification & sources · last checked 2026-09-29

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-29

Official product page: https://www.idfcfirstbank.com/

Documents used
Official IDFC FIRST Bank FIRST Millennia Credit Card product page; features, rewards revision, 3X base, 10X incremental above ₹20k, railway lounge access, and fee schedule · SRC-IDFC-MILLENNIA
Official Most Important Terms & Conditions (MITC) and Schedule of Charges; rent 1%, education 1%, utility 1% >20k · SRC-IDFC-FEE-SCHEDULE
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