SwipeYield Review
An online-focused entry card for millennials with lifetime free benefits and never-expiring rewards.
LifestyleLifetime FreeEntertainment
IDFC FIRST Millennia Credit Card
By IDFC FIRST Bank
4.0SwipeYield Rating
Joining FeeLifetime Free
Annual FeeLifetime Free
Fee Waiver:
Not Applicable (Lifetime Free)
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Reward TypeReward Points
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NetworkVisa, Mastercard
Rewards
Base
~0.5% (3 points per ā¹150)
Accelerated
1.66% on spends >ā¹20k/month; 25% off movies up to ā¹100/month
Lounge Access
4 Railway lounge visits per quarter
Pros
- Lifetime Free status
- No points expiry
- Roadside assistance
- ā¹500 welcome voucher on ā¹5k spend
Cons
- Low base rewards
- Spend-based railway lounge only
- 3.5% forex markup
Eligibility
- Standard income criteria
- Age 21-65