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IDFC FIRST Hello Cashback 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: 11 October 2026.

IDFC FIRST Hello Cashback Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureIDFC FIRST Hello Cashback Credit CardIDFC FIRST Hello Cashback Credit CardIDFC First Bank4 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards1% base, up to 3% on online shopping; 4% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)1%Earns nothing
Online shopping3%0.38%
Dining and food delivery1%1.25%
Groceries1%0.38%
Travel: flights, hotels, trains1%; 4% only at Hotel and flight bookings made through the IDFC FIRST Bank mobile app1.25%
FuelsameEarns nothingEarns nothing
Bills and recharges1%0.13%
Rent1%0.38%
Insurance premiums1%0.38%
School and college fees1%0.38%
Wallet top-ups1%0.38%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency1%Earns nothing
Everything else1%0.38%
Card identity
Card typeTravelDining
NetworkRuPayVisa
Card tierMidEntry
Fees
Joining fee₹1,000 + GSTFree
Annual fee₹1,000 + GSTFree
Lifetime freeNoYes
Fee waived at₹2,00,000-
Eligibility
Min age18 years-
Max age80 years-
Employment typesameBOTHBOTH
Min monthly salary₹0₹25,000
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits-0
International lounge visits-0
Railway lounge visits-16
Lounge condition-Spend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)-0.71%
Interest rate (annual)-8.52%
Redemption
Redemption fee-₹99
Page content
Documents neededPAN card Aadhaar / address proof Fixed deposit of ₹10,000 or more (no income proof required)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 Hello Cashback Credit Card
Rewards a year
₹3,600
Fee a year
₹0
You keep
₹3,600
IDFC FIRST Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440

At this spend, IDFC FIRST Hello Cashback Credit Card comes out ₹2,160 a year ahead of IDFC FIRST Millennia 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 Hello Cashback Credit Card
  • New to credit users who shop online
  • People rebuilding a credit score
  • UPI users who bank with IDFC FIRST
  • Applicants aged 18 to 80 without income proof
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

IDFC FIRST Hello Cashback Credit Card
  • ₹1,000 fee if you spend under Rs 2 lakh a year
  • Online cashback is capped at Rs 1,000 a month
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 Hello Cashback 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 Hello Cashback Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IDFC FIRST Hello Cashback Credit Card: ₹1,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST Hello Cashback Credit Card has the lowest forex markup. IDFC FIRST Hello Cashback 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 Hello Cashback Credit Card 1%, 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 is easier to get?

By stated minimum monthly income: IDFC FIRST Hello Cashback Credit Card ₹0, IDFC FIRST Millennia Credit Card ₹25,000. 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.

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