IDFC FIRST Millennia Credit Card 2026 Deep Dive: Lifetime-Free Rewards King Just Got a Massive June Upgrade
The IDFC FIRST Millennia Credit Card is one of the few genuinely lifetime-free cards in India that has improved rather than deteriorated over time. Effective 18 June 2026, IDFC FIRST is making a meaningful structural change: the Rs 20,000 monthly spend threshold that previously locked you out of 10X rewards is being removed. For anyone spending under Rs 30,000 per month - the majority of Indian credit card holders - this is a straightforward improvement. This article covers the full details of what changes on 18 June, a side-by-side comparison of pre and post reward rates, concrete monthly spend examples, and an honest assessment of who this card suits. All data is sourced from IDFC FIRST Bank's official May 2026 communications and the updated MITC document.
