IDFC First Bank · Visa · Standard

FIRST Millennia Credit Card

3X on online + 1.5X offline; lifetime free

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Top benefits

3X on online
3 reward points per Rs.150 on online transactions.
Low interest rate
Monthly interest rate starting at 1.5% per month.
Birthday month bonus
10X reward points on your birthday month spends.
Milestone rewards
Bonus 500 reward points on spending Rs.20,000 in a month.

Common questions

What makes this ideal for millennials?

Lifetime free, low interest rate, and rewards on online shopping apps popular with younger spenders.

Is there a forex markup?

Yes, 3.5% on international transactions — the Classic card has a lower 1.5% rate.