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Axis Bank Horizon vs IDFC FIRST Millennia Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Axis Bank Horizon Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureAxis Bank Horizon Credit CardAxis Bank Horizon Credit CardAxis Bank5 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards2% on most spends; 5% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping2%0.38%
Dining and food delivery2%1.25%
Groceries2%0.38%
Travel: flights, hotels, trains2%; 5% only at Axis Travel Edge & airlines1.25%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.13%
RentEarns nothing0.38%
Insurance premiumsEarns nothing0.38%
School and college feesEarns nothing0.38%
Wallet top-upsEarns nothing0.38%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency2%Earns nothing
Everything else2%0.38%
Card identity
Card typeTravelDining
NetworksameVisaVisa
Card tierMidEntry
Fees
Joining fee₹3,000 + GSTFree
Annual fee₹3,000 + GSTFree
Lifetime freeNoYes
Eligibility
Min age18 years-
Max age70 years-
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typeAir milesReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹400-
Lounge access
Domestic lounge visits320
International lounge visits80
Railway lounge visits-16
Lounge conditionUp to 32 domestic (6-8 per quarter) and 8 international airport lounge visits a yearSpend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markup3.5%None
Interest and charges
Interest rate (monthly)3.75%0.71%
Interest rate (annual)45%8.52%
Redemption
Redemption fee-₹99
Page content
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Axis Bank Horizon Credit Card
Rewards a year
₹4,800
Fee a year
- ₹3,540
You keep
₹1,260
IDFC FIRST Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440

At this spend, IDFC FIRST Millennia Credit Card comes out ₹180 a year ahead of Axis Bank Horizon Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Axis Bank Horizon Credit Card
  • Frequent domestic flyers
  • Travellers who book direct with airlines
  • People who want lots of lounge visits
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

Axis Bank Horizon Credit Card
  • Fee is never waived
  • 3.5% forex markup is high for a travel card
  • Lounge count depends on Visa or Mastercard variant
IDFC FIRST Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access

Card data sourced via CardAdvisor.in (Axis Bank Horizon Credit Card, IDFC FIRST Millennia Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Axis Bank Horizon Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; Axis Bank Horizon Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST Millennia Credit Card has the lowest forex markup. IDFC FIRST Millennia Credit Card: 0%; Axis Bank Horizon Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank Horizon Credit Card 2%, IDFC FIRST Millennia Credit Card 0.38%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

Axis Bank Horizon Credit Card: 32 domestic lounge visits a year; IDFC FIRST Millennia Credit Card: no complimentary lounge visits. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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