Card Details
FIRST Millennia
Card Issuer
IDFC FIRST Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Earn Points
10 Rp/₹200
On dining spends
10 Rp/₹200
On travel spends
10 Rp/₹200
On international transactions & birthday spends
Up to 3x
On upi spends
Benefits
10X Reward Points on dining, travel,…
- Up to 10X reward points on eligible spends
- 10X Reward Points on dining, travel, international, and birthday spends
Bonus reward points on flight and hotel bookings
- 10% bonus points on flights and 20% bonus points on hotels through FIRST Rewards Gallery
25% movie-ticket discount
Zero forex markup on international spends
4 Complimentary Railway Lounge Visits/Quarter…
Things to Keep in Mind
Same official page shows conflicting fee claims: NIL/lifetime free vs ₹199 joining and ₹199 annual (2nd year onwards) + GST.
Lounge access is conditional on ₹20,000 spend in a calendar month for quarter entitlement.
3X applies to eligible spends; full exclusions/definitions not visible in captured text.
Cash withdrawal interest-free period appears as both 45 days and 48 days on the same page.
Detailed terms likely governed by MITC and other T&C documents.
Reward redemption attracts a ₹99 + GST fee.
