Card catalog
IDFC First Bank
VISA
First Millennia
•••• 4421LIFETIME FREE
IDFC First Bank

First Millennia

Verified against MITCVisaLifetime free
Free
no annual fee, ever
1%
base reward rate
700+
min. credit score

Rewards

2 rules
reward points · not on UPI
6%
cap: ₹1,000/mo
~95%
Everything else
reward points · base rate · not on UPI
1%
cap: none
~95%

Best uses

0 merchants, 1 category

Where this card has a reward rule beyond the base rate. Tap a pill to see how it ranks against every other card we track at that merchant or category.

Who it's for

Minimum income
₹20,000/month
Minimum credit score
700+
Best for
Online shopping

Reward rules are curated from issuer MITC documents and cross-checked by our team. Always confirm the latest rules in your bank app before relying on a recommendation.

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