Share

IDFC FIRST Gaj vs 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.

IDFC FIRST Gaj Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureIDFC FIRST Gaj Credit CardIDFC FIRST Gaj Credit CardIDFC First Bank2 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards0.83% on most spends; 16.67% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.83%0.38%
Dining and food delivery0.83%1.25%
Groceries0.83%0.38%
Travel: flights, hotels, trains0.83%; 16.67% only at Flight & hotel bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns 50 RP per ₹150 total, flights 25 RP per ₹1501.25%
FuelsameEarns nothingEarns 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 currency0.5%Earns nothing
Everything else0.83%0.38%
Card identity
Card typeTravelDining
NetworksameVisaVisa
Card tierSuper premiumEntry
Fees
Joining fee₹12,500 + GSTFree
Annual fee₹12,500 + GSTFree
Lifetime freeNoYes
Fee waived at₹10,00,000-
Eligibility
Employment type-BOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits160
International lounge visits160
Railway lounge visits-16
Lounge condition4 domestic (incl. 1 guest) and 4 international lounge visits every quarter (16 + 16 a year)Spend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markupsameNoneNone
Interest and charges
Interest rate (monthly)-0.71%
Interest rate (annual)-8.52%
Redemption
Redemption feesame₹99₹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

IDFC FIRST Gaj Credit Card
Rewards a year
₹1,992
Fee a year
- ₹14,750
You keep
- ₹12,758
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 ₹14,198 a year ahead of IDFC FIRST Gaj 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

IDFC FIRST Gaj Credit Card
  • Spending ₹83,333 or more a month: the ₹14,750 fee is waived
  • Flyers: 32 airport lounge visits a year
  • 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

IDFC FIRST Gaj Credit Card
  • Skip it if you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹14,750 fee is then charged
  • Skip it if most of your spending is fuel: 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 spend a lot on utility bills, rent, insurance or education: the card's terms do not state a rate there, so we count nothing
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 (IDFC FIRST Gaj 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, IDFC FIRST Gaj Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IDFC FIRST Gaj Credit Card: ₹12,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST Gaj Credit Card has the lowest forex markup. IDFC FIRST Gaj 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: IDFC FIRST Gaj Credit Card 0.83%, 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?

IDFC FIRST Gaj Credit Card: 16 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