IDFC FIRST BANK · CHECKED 22 OCT 2026

IDFC FIRST Millennia Credit Card

Best on Cleartrip, Domino's, Goibibo and 3 more apps: 1.25% back.

No annual feePaid as Reward Points

Where it earns the most

Cleartrip1.25%no minimum order#20 of 50 cards

Domino's1.25%no minimum order#19 of 50 cards

Goibibo1.25%no minimum order#16 of 50 cards

MakeMyTrip1.25%no minimum order#15 of 50 cards

Swiggy1.25%no minimum order#27 of 50 cards

Zomato1.25%no minimum order#25 of 50 cards

Everywhere else

0.38% backAJIOAmazonApollo 24|7BigBasketBlinkitBookMyShowDistrictFlipkartJioMartMeeshoMyntraNykaaPVR INOXReliance DigitalSwiggy InstamartTata CLiQTata NeuUberZepto
0.12% backAirtel Thanksixigo
Nothing backIRCTC Rail Connect

Where another card earns more

Airtel ThanksAirtel Axis earns more here25%vs 0.12%
AJIOHSBC Live+ earns more here10%vs 0.38%
BigBasketHSBC Live+ earns more here10%vs 0.38%
BlinkitAirtel Axis earns more here10%vs 0.38%
BookMyShowAxis Neo earns more here10%vs 0.38%

All the details: fees, points and limits in every app

Bank: IDFC FIRST Bank
Network: Visa
Open to new applications?: Yes
Joining fee: None
Annual fee: None
Fee waiver: Lifetime free, with no spending condition.
Rewards paid as: Reward Points
One point is worth: ₹0.25
How the points are used: Redeemed at IDFC's stated ₹0.25 per point; ₹99 + GST fee on each redemption; points expire 24 months after they are credited
Checked on: 22 Oct 2026

Official page: IDFC FIRST Bank

App	Reward	Min. order	Limit	Rank of 50
Cleartrip	1.25% as Reward Points	—	No stated limit	#20
Domino's	1.25% as Reward Points	—	No stated limit	#19
Goibibo	1.25% as Reward Points	—	No stated limit	#16
MakeMyTrip	1.25% as Reward Points	—	No stated limit	#15
Swiggy	1.25% as Reward Points	—	No stated limit	#27
Zomato	1.25% as Reward Points	—	No stated limit	#25
AJIO	0.38% as Reward Points	—	No stated limit	#41
Amazon	0.38% as Reward Points	—	No stated limit	#42
Apollo 24\|7	0.38% as Reward Points	—	No stated limit	#40
BigBasket	0.38% as Reward Points	—	No stated limit	#44
Blinkit	0.38% as Reward Points	—	No stated limit	#43
BookMyShow	0.38% as Reward Points	—	No stated limit	#43
District	0.38% as Reward Points	—	No stated limit	#39
Flipkart	0.38% as Reward Points	—	No stated limit	#42
JioMart	0.38% as Reward Points	—	No stated limit	#40
Meesho	0.38% as Reward Points	—	No stated limit	#40
Myntra	0.38% as Reward Points	—	No stated limit	#41
Nykaa	0.38% as Reward Points	—	No stated limit	#40
PVR INOX	0.38% as Reward Points	—	No stated limit	#41
Reliance Digital	0.38% as Reward Points	—	No stated limit	#39
Swiggy Instamart	0.38% as Reward Points	—	No stated limit	#41
Tata CLiQ	0.38% as Reward Points	—	No stated limit	#40
Tata Neu	0.38% as Reward Points	—	No stated limit	#40
Uber	0.38% as Reward Points	—	No stated limit	#42
Zepto	0.38% as Reward Points	—	No stated limit	#42
Airtel Thanks	0.12% as Reward Points	—	No stated limit	#29
ixigo	0.12% as Reward Points	—	No stated limit	#41
IRCTC Rail Connect	Fee is more than the reward	—	—	#26

Questions people ask

Where does IDFC FIRST Millennia earn the most?

IDFC FIRST Millennia Credit Card earns its highest rewards on Cleartrip (1.25% as Reward Points), Domino's (1.25% as Reward Points) and Goibibo (1.25% as Reward Points).

What is the annual fee of IDFC FIRST Millennia, and can it be waived?

IDFC FIRST Millennia has no joining or annual fee. Lifetime free, with no spending condition.

How much is one IDFC FIRST Millennia point worth?

About ₹0.25 each when used as the bank shows first: Redeemed at IDFC's stated ₹0.25 per point; ₹99 + GST fee on each redemption; points expire 24 months after they are credited.

Is IDFC FIRST Millennia still available?

Yes, the bank still issues it to new customers.

Rewards are as per IDFC FIRST Bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to IDFC FIRST Bank. Check the official page before applying.

Where it earns the most

Everywhere else

Where another card earns more

Questions people ask

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