Last Reviewed: May 2026

IDFC First Millennia Credit Card Review: Entry-Level Rewards

The IDFC First Millennia Credit Card is a straightforward entry-level card offering 1% cashback on all purchases with zero annual fee. Perfect for first-time credit card users building their credit score without complexity.

Quick Overview

Feature	Details
Cashback	1% flat on all purchases
Annual Fee	Zero (Lifetime free)
Eligibility	₹2.5L+ annual income
Credit Score	600+ CIBIL

Perfect for: First-time card users, students, or anyone wanting simple 1% rewards.

How to apply: Visit IDFC First Bank website.

Last updated: May 2026.