HSBC Taj 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.
| Feature |  HSBC Taj Credit CardHSBC India1 recent change → |  IDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.01% on most spends; 3.35% only at partner merchants | 0.38% base, up to 1.25% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1.01% | 0.38% | |
| Dining and food delivery | 1.01% | 1.25% | |
| Groceries | 1.01% | 0.38% | |
| Travel: flights, hotels, trains | 1.01%; 3.35% only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails | 1.25% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 0.13% | |
| Rent | Earns nothing | 0.38% | |
| Insurance premiums | Earns nothing | 0.38% | |
| School and college fees | Earns nothing | 0.38% | |
| Wallet top-ups | Earns nothing | 0.38% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1.01% | Earns nothing | |
| Everything else | 1.01% | 0.38% | |
| Card identity | |||
| Card type | Travel | Dining | |
| Networksame | Visa | Visa | |
| Card tier | Super premium | Entry | |
| Fees | |||
| Joining fee | ₹1,10,000 + GST | Free | |
| Annual fee | ₹1,10,000 + GST | Free | |
| Lifetime free | No | Yes | |
| Eligibility | |||
| Min age | 25 years | - | |
| Max age | 75 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹3,00,000 | ₹25,000 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Lounge access | |||
| Domestic lounge visits | - | 0 | |
| Domestic lounge unlimited | Yes | No | |
| International lounge visits | - | 0 | |
| International lounge unlimited | Yes | No | |
| Railway lounge visits | - | 16 | |
| Lounge condition | Unlimited domestic and international airport lounge access. The 12 Taj Club and 12 Chambers visits are part of the annual Taj voucher package above (12 + 12 + 12 pool = 36 vouchers) and are valued there, not counted again here | Spend Rs 20,000 in the previous month for lounge access | |
| Forex and international | |||
| Forex markup | 3.5% | None | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 0.71% | |
| Interest rate (annual) | 45% | 8.52% | |
| Redemption | |||
| Redemption fee | - | ₹99 | |
| Page content | |||
| Documents needed | PAN 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 | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,424
- Fee a year
- - ₹1,29,800
- You keep
- - ₹1,27,376
- Rewards a year
- ₹1,440
- Fee a year
- ₹0
- You keep
- ₹1,440
At this spend, IDFC FIRST Millennia Credit Card comes out ₹1,28,816 a year ahead of HSBC Taj 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
- Travel only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: 3.35% back
- Frequent flyers: unlimited airport lounge visits
- First-time card users
- Young earners
- UPI payment users
- People who want no annual fee
Watch-Outs
- Skip it if you hope rewards alone will pay the ₹1,29,800 fee: on everyday spend they never do
- Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you rarely spend on Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: the 3.35% rate applies only there, everything else earns 1.01%
- Base earning is only about 0.38%
- Low earning on utility bills
- No airport lounge access
Card data sourced via CardAdvisor.in (HSBC Taj 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, HSBC Taj Credit Card or IDFC FIRST Millennia Credit Card?
IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; HSBC Taj Credit Card: ₹1,10,000. 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%; HSBC Taj 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: HSBC Taj Credit Card 1.01%, 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?
HSBC Taj 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.
Which is easier to get?
By stated minimum monthly income: IDFC FIRST Millennia Credit Card ₹25,000, HSBC Taj Credit Card ₹3,00,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.
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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