IDFC FIRST BankVisaLifetime FreeMillennia Credit Card
3.9NeoFinQ editorial rating
Best lifetime-free card with 10X rewards above ₹20K/month
- Lifetime free
- 10X points above ₹20K/month
- Railway lounge access
- 20% dining discounts
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- hybrid
- Best for
- Travel
- Est. rewards
- ₹19,500/yr
Our verdict
Excellent lifetime-free card with great milestone rewards.
Perfect for
- Budget-conscious lifestyle seekers
- 10X reward maximizers
Not ideal for
- Premium travel seekers
Pros & cons
- Lifetime free
- 10X points above ₹20K/month
- Railway lounge access
- 20% dining discounts
- No airport lounge access
Rewards
3X on offline spends, 6X on online spends (up to ₹20,000 monthly); 10X on spends above ₹20,000; 10X on birthdays.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Travel | 5% |
| Online Shopping | 5% |
| Cashback | 3% |
Welcome offer
₹500 voucher on ₹5,000 spend within 30 days + 5% cashback (up to ₹1000) on first EMI transaction within 30 days + Buy 1 Get 1 movie ticket offer up to ₹100 (once a month)
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 4 complimentary railway lounge visits per quarter (subject to a minimum spend of ₹20,000 in the previous calendar month)
More benefits
- Welcome Bonus: ₹500 voucher on ₹5,000 spend within 30 days + 5% cashback (up to ₹1000) on first EMI transaction within 30 days + Buy 1 Get 1 movie ticket offer up to ₹100 (once a month)
- Milestone: 10X points on spends above ₹20,000/month
- Additional Benefits: 20% dining discounts at 1,500+ restaurants, 25% off movie tickets
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Min. income (annual)
₹3L
Employment
Salaried / Self Employed
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