IDFC FIRST Millennia Credit Card vs IDFC FIRST Select Credit Card
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | IDFC FIRST Millennia Credit Card | IDFC FIRST Select Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Lifetime free: no joining or annual fee, no spend condition | Lifetime free: no joining or annual fee |
| Everyday spends (value back) | 0.38% | 0.38% |
| Online shopping (value back) | 0.38% | 0.38% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 0.38% | 0.38% |
| Travel (value back) | 1.25% | 1.25% |
| Bills and utilities (value back) | 0.13% | 0.13% |
| Dining and food delivery (value back) | 1.25% | 1.25% |
| Rewards in short | 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. | Dining, travel and birthday spends earn 1.25% back in reward points, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Zero forex markup, plus a domestic airport lounge visit each quarter. |
| Works on UPI | No | No |
| Airport lounge | No airport lounge visits; 4 railway lounge visits a quarter, unlocked for the next month by spending ₹20,000 in a calendar month. | 4 domestic airport visits a year (1 a quarter) and 4 railway lounge visits a quarter; each needs ₹20,000 spend in a calendar month to unlock the next month. |
| Forex markup | 0% | 0% |
| Fuel surcharge waiver | 1% on fuel transactions of ₹200–₹5,000, up to ₹200 per statement cycle | 1% on fuel transactions of ₹200–₹5,000, up to ₹300 per statement cycle |
| Card network | Not published by the bank | Not published by the bank |
| Minimum income (salaried) | ₹25,000 a month | ₹1,00,000 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 IDFC FIRST Millennia Credit Card if
your income is between ₹3 lakh and ₹12 lakh a year
Lifetime free
Pick the IDFC FIRST Select Credit Card if
you earn ₹12 lakh a year or more and want airport lounge visits
Lifetime free
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Do either of them cost anything?
Neither has a joining or annual fee, and there's no spend condition. Add-on cards cost ₹499 and cash withdrawals ₹199 on both, plus GST.
Which has better lounge access?
Select. It gives 1 domestic airport lounge visit and 4 railway lounge visits a quarter. Millennia has no airport lounge access, only 4 railway lounge visits a quarter. On both, the visits need ₹20,000 of spend in the previous month.
Can I use either on UPI?
Not on their own. IDFC FIRST offers UPI through a separate FIRST Digital RuPay card that costs ₹199 plus GST, so we don't count UPI rewards for either card.
Full details: IDFC FIRST Millennia Credit Card · IDFC FIRST Select Credit Card · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.