HDFC Bank Millennia Credit Card vs IDFC FIRST Millennia Credit Card
Last verified 19 Oct 2026 · how we compare
Side by side
| Feature | HDFC Bank Millennia Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| Issuer | HDFC Bank | IDFC FIRST Bank |
| Joining fee | ₹1,000 | Free |
| Annual fee | ₹1,000 | Free |
| Fee waiver | Renewal fee waived if you spend ₹1 lakh or more in the year before your renewal date. Paying the joining fee earns 1,000 CashPoints (worth ₹1,000 as statement credit). No joining fee waiver is offered. | Lifetime free: no joining or annual fee, no spend condition |
| Everyday spends (value back) | 1% | 0.38% |
| Online shopping (value back) | 5% | 0.38% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 1% | 0.38% |
| Travel (value back) | 1% | 1.25% |
| Bills and utilities (value back) | 1% | 0.13% |
| Dining and food delivery (value back) | 5% | 1.25% |
| Rewards in short | Cashback as CashPoints worth ₹1 each against your bill: 5% at 10 online merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV) and 1% on most other spends, each capped at ₹1,000 a month. Fuel, rent, wallet loads, EMI and government payments earn nothing. | Dining, travel and birthday spends earn 1.25% back in reward points, most other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on fuel, EMI or cash, and none on international spends from 26 October 2026. |
| Works on UPI | No | No |
| Airport lounge | No free lounge access. Each calendar quarter you spend ₹1 lakh, you can choose one domestic airport lounge voucher instead of the ₹1,000 gift voucher, so up to 4 visits a year. | No airport lounge visits; 4 railway lounge visits a quarter, unlocked for the next month by spending ₹20,000 in a calendar month. |
| Forex markup | 3.5% | 0% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle. A 1% fee applies to single fuel transactions above ₹15,000. | 1% on fuel transactions of ₹200–₹5,000, up to ₹200 per statement cycle |
| Card network | Not published by the bank | Not published by the bank |
| Minimum income (salaried) | ₹25,000 a month | ₹25,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the HDFC Bank Millennia Credit Card if
you shop and order food on Amazon, Flipkart, Swiggy or Zomato
₹1,000 joining, ₹1,000 a year
Pick the IDFC FIRST Millennia Credit Card if
you want no fee at all or spend abroad, where it charges no markup
Lifetime free
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which is better, HDFC Millennia or IDFC FIRST Millennia?
On rewards, usually HDFC Millennia. On ₹10,000 a month at its partner merchants and ₹10,000 elsewhere, it pays about ₹600 a month, and that ₹2.4 lakh a year clears the ₹1 lakh needed to waive its fee. IDFC FIRST Millennia pays about ₹75 a month on the same ₹20,000 at 0.375%, or up to ₹250 if it were all dining, travel and international spends at 1.25%. IDFC FIRST wins if you want no fee at all or spend abroad.
Is HDFC Millennia lifetime free?
No. It charges ₹1,000 a year plus GST, waived from the second year if you spent ₹1 lakh in the year before, and paying the joining fee earns 1,000 CashPoints (₹1,000 as statement credit). IDFC FIRST Millennia has no joining or annual fee and no spend condition.
Which Millennia card is better abroad?
IDFC FIRST Millennia: it charges no forex markup and pays 1.25% back on international spends. HDFC Millennia charges a 3.5% markup.
Do the Millennia cards have lounge access?
Neither gives free airport lounge visits. HDFC Millennia lets you take a domestic lounge voucher instead of a ₹1,000 gift voucher in each calendar quarter you spend ₹1 lakh, up to 4 a year. IDFC FIRST Millennia gives 4 railway lounge visits a quarter after ₹20,000 of spend in a calendar month.
Full details: HDFC Bank Millennia Credit Card · IDFC FIRST Millennia Credit Card · find the card that fits your spending
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.