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How to Apply for the IDFC FIRST Millenia Credit Card in 2026

Piyush Rathod's profile photo Piyush Rathod
3 min read
Reviewed by Gautam Chauhan Last reviewed 5 September 2026 Data verified 5 September 2026

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.

How to Apply for the IDFC FIRST Millenia Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the IDFC FIRST Millenia Credit Card with 6X reward points on online shopping. Eligibility, benefits, and full application walkthrough.

  1. Check Millenia eligibility — You must be 18–70 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
  2. Apply online via IDFC FIRST website — Visit idfcfirstbank.com → Cards → Credit Cards → Millenia. Click Apply Now. The form is pre-filled if you are an existing IDFC FIRST customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in the IDFC FIRST app. Approval takes 5–7 working days.
  6. Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, IDFC FIRST app, or at any IDFC FIRST ATM by setting a 4-digit PIN.
  7. Use the card for online shopping to earn 6X — Use the card for all online spends to earn 6X reward points. The 6X is uncapped — no monthly cap. Track points in the IDFC FIRST app.
  8. Use the card for offline spends to earn 3X — Use the card for offline retail to earn 3X reward points. The 3X is uncapped — no monthly cap.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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