Balanced value5.6
idfc / VISA
IDFC First Millennia
Annual
₹999
Return
3%
Lounges
4
Forex
1.99%
Card summary
- IDFC First Millennia leans reward-led with ₹999 annual fee, 3% headline return potential, and 4 lounge access.
Pros
- Strong benefit ceiling if you recover the ₹999 annual fee.
- 3% reward rate can outperform flat cashback for loyal users.
- 4 lounge access adds travel utility.
Cons
- Low forex markup matters mainly if you travel internationally.
- Eligibility still depends on bank policy and credit history.
- Travel benefits are limited compared with premium cards.
Best for
Everyday users who prefer steady rewards, manageable fees, and simple eligibility.
Value profile
Balanced fee-to-benefit setup for regular card users.