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Axis Bank Primus 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: 24 October 2026.

Axis Bank Primus Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureAxis Bank Primus Credit CardAxis Bank Primus Credit CardAxis Bank4 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards5% on most spends0.38% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping5%0.38%
Dining and food delivery5%1.25%
Groceries5%0.38%
Travel: flights, hotels, trains5%1.25%
FuelNot statedEarns nothing
Bills and rechargesNot stated0.13%
RentNot stated0.38%
Insurance premiumsNot stated0.38%
School and college feesNot stated0.38%
Wallet top-upsNot stated0.38%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency5%Earns nothing
Everything else5%0.38%
Card identity
Card typeTravelDining
NetworksameVisaVisa
Card tierSuper premiumEntry
Fees
Joining fee₹5,00,000 + GSTFree
Annual fee₹3,00,000 + GSTFree
Lifetime freeNoYes
Eligibility
Employment type-BOTH
Min monthly salary-₹25,000
Rewards
Reward typeAir milesReward points
Point value₹5₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits-0
Domestic lounge unlimitedYesNo
International lounge visits-0
International lounge unlimitedYesNo
Guest lounge visits12-
Railway lounge visits-16
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionUnlimited domestic lounge access plus Priority Pass international for primary and add-on cardholders, 12 complimentary guest visits a year, luxury airport transfers and meet-and-greetSpend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markupsameNoneNone
Interest and charges
Interest rate (monthly)1%0.71%
Interest rate (annual)12%8.52%
Redemption
Redemption fee-₹99
Page content
Documents needed-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 Primus Credit Card
Rewards a year
₹12,000
Fee a year
- ₹3,54,000
You keep
- ₹3,42,000
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 ₹3,43,440 a year ahead of Axis Bank Primus 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 Primus Credit Card
  • Frequent flyers: unlimited airport lounge visits
  • Spending abroad: 0% markup, most cards add 3.5%
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

Axis Bank Primus Credit Card
  • Skip it if you hope rewards alone will pay the ₹3,54,000 fee: on everyday spend they never do
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
  • Skip it if you sometimes pay only the minimum due: interest of 1% a month (12% a year) outweighs any reward
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 Primus 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 Primus Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; Axis Bank Primus Credit Card: ₹3,00,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank Primus Credit Card has the lowest forex markup. Axis Bank Primus Credit Card: 0%; IDFC FIRST Millennia Credit Card: 0%. 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 Primus Credit Card 5%, 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 Primus Credit Card: unlimited domestic lounge visits; 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.

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