{
  "id": "idfc-first-millennia",
  "locale": "hinglish",
  "name": "IDFC FIRST Millennia Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "Har quarter 4 Complimentary Railway Lounge visits pichle month ₹20k spend par (Saal ke 16 visits)",
  "rewardsRate": "0% Forex Markup · Online Spends >₹20k & Birthday par 10X Rewards · Online ≤₹20k par 6X · Offline par 3X (Points never expire)",
  "bestFor": "Millennial online shoppers, international websites, zero forex spends, railway lounges aur lifetime-valid reward points",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/millennia",
  "aiVerdict": {
    "score": 6.8,
    "summary": "Its lifetime-free pricing offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 0.75
  },
  "affiliateId": "idfc-first-millennia",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/millennia",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Lifetime Free (Koi annual spend requirement nahi hai)",
  "networks": [
    "Visa",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "key": "Forex Markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "key": "Online Spends (>₹20k)",
      "value": "10X Rewards (2.5% Return)"
    },
    {
      "key": "Online Spends (≤₹20k)",
      "value": "6X Rewards (1.5% Return)"
    },
    {
      "key": "Railway Lounges",
      "value": "16 visits / year (4/qtr on ₹20k spend)"
    },
    {
      "key": "Interest Rate (APR)",
      "value": "Dynamic starting at 8.5% p.a. (0.71% p.m.)"
    },
    {
      "key": "Welcome Gift",
      "value": "₹500 Brand Voucher + ₹1,000 EMI Cashback"
    }
  ],
  "earnRates": [
    {
      "category": "Online Spends >₹20k & Birthday Spends (10X)",
      "rate": "2.5% (10 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 Points (₹2,500 value)"
    },
    {
      "category": "Regular Online Shopping ≤₹20k (6X)",
      "rate": "1.5% (6 Points / ₹100)",
      "monthlyCap": "₹20,000 / month",
      "perLakhSpent": "6,000 Points (₹1,500 value)"
    },
    {
      "category": "International Spends (0% Forex + Rewards)",
      "rate": "0% Forex + 3X–10X Points (Upto 2.5% return)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,500 Forex Bachat + upto ₹2,500 Rewards"
    },
    {
      "category": "General Offline Retail Spends (3X)",
      "rate": "0.75% (3 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (₹750 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "E-Commerce Spends above ₹20,000",
      "multiplier": "10×",
      "rate": "2.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Monthly spends ₹20,000 cross karne ke baad sabhi transactions par 10 points per ₹100."
    },
    {
      "channel": "Birthday Spends",
      "multiplier": "10×",
      "rate": "2.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Birthday ke din sabhi retail categories par 10 points per ₹100."
    },
    {
      "channel": "Everyday Online Shopping (≤₹20,000)",
      "multiplier": "6×",
      "rate": "1.5%",
      "monthlyCap": "₹20,000 / month",
      "dailyCap": "—",
      "note": "Sabhi online retail transactions par 6 points per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "E-commerce Checkout & Merchant Pay",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1 pt",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Gift Cards & Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel transactions (sirf 1% surcharge waiver milega).",
    "Cash advances, ATM withdrawals aur digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "Dynamic 0.71% se 3.85% per month (8.5% se 46.2% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹200 se ₹5,000 ke transactions par 1% waiver (Max ₹200/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Salaried (21 se 65 saal), Self-Employed (25 se 65 saal)"
    },
    {
      "criteria": "Minimum Annual Income",
      "requirement": "₹3,00,000+ per annum (Salaried ya Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "710+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}