Share

BOBCARD Etihad Guest 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.

BOBCARD Etihad Guest Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureBOBCARD Etihad Guest Credit CardBOBCARD Etihad Guest Credit CardBank of Baroda1 recent change →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards0.5% on most spends; 1.5% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.5%0.38%
Dining and food delivery0.5%1.25%
Groceries0.5%0.38%
Travel: flights, hotels, trains0.5%; 1.5% only at Etihad Airways1.25%
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 currency0.5%Earns nothing
Everything else0.5%0.38%
Card identity
Card typeTravelDining
NetworksameVisaVisa
Card tierPremiumEntry
Fees
Joining fee₹2,500 + GSTFree
Annual fee₹2,500 + GSTFree
Lifetime freeNoYes
Fee waived at₹3,00,000-
Eligibility
Min age21 years-
Max age60 years-
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typeAir milesReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits80
International lounge visits40
Railway lounge visits-16
Lounge programmeDREAMFOLKS-
Lounge condition8 domestic (2 per quarter) and 4 international (1 per quarter) lounge visits a year. International visits use a curated 52-lounge global list booked via the DreamFolks web portal, with a ₹2 non-refundable card-authentication charge per accessSpend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markup1%None
Interest and charges
Interest rate (monthly)3.75%0.71%
Interest rate (annual)45%8.52%
Redemption
Redemption fee-₹99
Page content
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN 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

BOBCARD Etihad Guest Credit Card
Rewards a year
₹1,200
Fee a year
- ₹2,950
You keep
- ₹1,750
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 ₹3,190 a year ahead of BOBCARD Etihad Guest 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

BOBCARD Etihad Guest Credit Card
  • Etihad flyers
  • Frequent international travellers
  • People who spend abroad
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

BOBCARD Etihad Guest Credit Card
  • Everyday return is only about 0.5%
  • Miles are useful mainly with Etihad
  • Fee waiver needs Rs 3 lakh a year
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 (BOBCARD Etihad Guest 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, BOBCARD Etihad Guest Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; BOBCARD Etihad Guest Credit Card: ₹2,500. 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%; BOBCARD Etihad Guest Credit Card: 1%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: BOBCARD Etihad Guest Credit Card 0.5%, 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?

BOBCARD Etihad Guest Credit Card: 8 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works