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IDFC FIRST Mayura 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 Mayura Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureIDFC FIRST Mayura Credit CardIDFC FIRST Mayura Credit CardIDFC First Bank5 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards0.83% on most spends; 8.33% 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%; 8.33% only at the IDFC FIRST app1.25%
FuelsameEarns nothingEarns nothing
Bills and recharges0.83%0.13%
RentNot stated0.38%
Insurance premiums0.83%0.38%
School and college feesNot stated0.38%
Wallet top-upsNot stated0.38%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency0.83%1.25%
Everything else0.83%0.38%
Card identity
Card typeTravelDining
NetworksameVisaVisa
Card tierSuper premiumEntry
Fees
Joining fee₹5,999 + GSTFree
Annual fee₹5,999 + GSTFree
Lifetime freeNoYes
Eligibility
Min age21 years-
Employment typesameBOTHBOTH
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 visitssame1616
Lounge conditionsameSpend Rs 20,000 in the previous month for lounge accessSpend 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 neededPAN 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
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

IDFC FIRST Mayura Credit Card
Rewards a year
₹1,992
Fee a year
- ₹7,079
You keep
- ₹5,087
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 ₹6,527 a year ahead of IDFC FIRST Mayura 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 Mayura Credit Card
  • Frequent international travellers
  • High earners who book travel online
  • People who spend in foreign currency
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

IDFC FIRST Mayura Credit Card
  • No stated way to waive the ₹5,999 fee
  • Lounges need Rs 20,000 spend in the previous month
  • Base rate of about 0.83% is modest
  • Needs around Rs 1.5 lakh monthly income
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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, IDFC FIRST Mayura Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IDFC FIRST Mayura Credit Card: ₹5,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST Mayura Credit Card has the lowest forex markup. IDFC FIRST Mayura 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 Mayura 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 Mayura 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.

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