Key Features & Benefits
- ✦10X Reward Points on birthday spends
- ✦10X Reward Points on monthly spends ≥₹20,000
- ✦3X Reward Points on other spends up to ₹20,000/month
- ✦1X on insurance, utility, fuel, rent, wallet reloads
- ✦4 complimentary railway lounge visits per quarter (spend-gated)
- ✦Buy 1 Get 1 movie ticket (spend-gated: ₹20K/month)
- ✦Reward Points never expire
- ✦Zero annual fee — forever
- ✦1% fuel surcharge waiver
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Welcome & Joining Benefits
- ✦Gift vouchers worth ₹500 on ₹15,000 spend in first 90 days
- ✦5% cashback on first EMI transaction (up to ₹1,000)
Milestone Benefits
- ✦Check IDFC FIRST Bank website for current benefits
Pros & Cons
✓ Advantages
- ✓Very accessible — ₹25,000/month salary eligibility
- ✓Lifetime free — perfect for first credit card
- ✓Same reward structure as Millennia at lower income bar
- ✓Railway lounge access for regular commuters
- ✓Rewards never expire — no wastage
✗ Disadvantages
- ✗No airport lounge access
- ✗3.5% forex
- ✗Identical to Millennia — primarily income-based differentiation
Frequently Asked Questions
What is the difference between Classic and Millennia?
The Classic and Millennia cards have nearly identical features — same reward rates, same lounge access, same fee (₹0). The main difference is the income eligibility: Classic is accessible at ₹25,000/month, Millennia requires ₹60,000/month. Otherwise, they are functionally the same card.
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