IDFC FIRST Millennia Credit Card vs IDFC FIRST Wealth Credit Card
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | IDFC FIRST Millennia Credit Card | IDFC FIRST Wealth 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, no spend condition |
| 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 and travel spends earn 1.25% back in reward points from the first rupee, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Visa Infinite with domestic and international lounge visits. |
| 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 and 4 international airport visits a year (1 each a quarter, international via a DreamFolks card) plus 4 railway lounge visits; spend ₹20,000 in a calendar month to use them 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 | Visa |
| Minimum income (salaried) | ₹25,000 a month | ₹3,00,000 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 ₹36 lakh a year
Lifetime free
Pick the IDFC FIRST Wealth Credit Card if
you earn ₹36 lakh a year or more and want domestic and international lounge visits
Lifetime free
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Does IDFC FIRST Millennia have airport lounge access?
No. Millennia gives only railway lounges: 4 visits a quarter, unlocked for the next month by ₹20,000 of spend in a calendar month. Wealth gives 1 domestic and 1 international airport visit a quarter (the international one through a DreamFolks card) plus 4 railway lounge visits a year, on the same ₹20,000 monthly spend rule.
What income do I need for Millennia or Wealth?
Millennia needs ₹3 lakh a year (about ₹25,000 a month) and Wealth ₹36 lakh (about ₹3 lakh a month). Both are unsecured and need income proof; self-employed applicants can apply with an ITR.
Can I use Millennia or Wealth on UPI?
No. IDFC FIRST doesn't list either as a RuPay card (Wealth is issued on Visa), so neither can be linked to UPI.
Do Millennia and Wealth earn on fuel?
No. Neither earns points on fuel, EMI transactions or cash withdrawals. Both waive the 1% fuel surcharge on ₹200 to ₹5,000 transactions: up to ₹200 a statement cycle on Millennia and ₹300 on Wealth.
Full details: IDFC FIRST Millennia Credit Card · IDFC FIRST Wealth 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.