How to Apply for the IDFC FIRST Millenia Credit Card in 2026
Apply for the IDFC FIRST Millenia Credit Card with 6X reward points on online shopping. Eligibility, benefits, and full application walkthrough.
FinWiz24 Editorial
The IDFC FIRST Millenia Credit Card is a lifetime-free online shopping card with 6X reward points on online spends, 3X on offline spends, 3X on EMI purchases, 1% fuel surcharge waiver, and 4 free ATM cash withdrawals per month. The card is targeted at first-time online shoppers who want a no-fee card with high rewards on online categories.
Why this matters
IDFC FIRST Millenia is the highest-reward lifetime-free online shopping card from IDFC FIRST. The 6X on online spends is competitive with paid cards. The 3X on offline spends covers non-online categories. The 4 free ATM withdrawals are a unique secondary benefit.
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How to Apply for the IDFC FIRST Millenia Credit Card in 2026
Common mistakes to avoid
The 6X is uncapped but excluded from fuel, EMI, and cash advances. The 4 free ATM withdrawals are subject to a limit of ₹10,000 per withdrawal. The 6X is only on online transactions — wallet loads do not qualify.
Pro tips
- Use Millenia as your default card for all online spends to maximise 6X
- Track the 4 free ATM withdrawals per month
- Pair with IDFC FIRST Wealth for high-value online shopping
- Track the welcome bonus of 500 points on the first transaction
Frequently asked questions
Is IDFC FIRST Millenia lifetime free?
Yes. The card has no joining or annual fee. There is no fee waiver target.
What is the 6X cap?
6X on online is uncapped. There is no monthly cap.
Does the 6X apply to wallet loads?
No. The 6X is only on online transactions, not on wallet loads.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.