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IDFC FIRST Millennia vs WOW! Black 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 Millennia Credit Card versus IDFC FIRST WOW! Black Credit Card compared
FeatureIDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
IDFC FIRST WOW! Black Credit CardIDFC FIRST WOW! Black Credit CardIDFC First Bank3 recent changes →
Rewards by spend
Rewards0.38% base, up to 1.25% on dining0.67% on most spends; 5% only at partner merchants
UPI payments (scan and pay)Earns nothingNot stated
Online shopping0.38%0.67%
Dining and food delivery1.25%0.67%
Groceries0.38%0.67%
Travel: flights, hotels, trains1.25%0.67%; 5% only at Hotel and flight bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns bonus RP worth 16.7% of the booking, flights 10%
FuelsameEarns nothingEarns nothing
Bills and recharges0.13%0.17%
Rent0.38%0.67%
Insurance premiums0.38%0.67%
School and college fees0.38%0.67%
Wallet top-ups0.38%0.67%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencyEarns nothing0.67%
Everything else0.38%0.67%
Card identity
Card typeDiningTravel
NetworkVisaMastercard
Card tierEntryMid
Fees
Joining feeFree₹750 + GST
Annual feeFree₹750 + GST
Lifetime freeYesNo
Fee waived at-₹1,50,000
Eligibility
Min age-18 years
Max age-80 years
Employment typesameBOTHBOTH
Min monthly salary₹25,000₹0
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits04
International lounge visitssame00
Railway lounge visits16-
Lounge conditionSpend Rs 20,000 in the previous month for lounge accessSpend Rs 20,000 in the previous month for domestic lounge access
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)0.71%-
Interest rate (annual)8.52%-
Redemption
Redemption feesame₹99₹99
Page content
Documents neededPAN 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 / address proof Fixed deposit of ₹20,000 or more (no income proof required)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

IDFC FIRST Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440
IDFC FIRST WOW! Black Credit Card
Rewards a year
₹1,608
Fee a year
₹0
You keep
₹1,608

At this spend, IDFC FIRST WOW! Black Credit Card comes out ₹168 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 Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee
IDFC FIRST WOW! Black Credit Card
  • Travellers who want zero forex on a secured card
  • People building a credit score
  • Students and new earners
  • Occasional domestic flyers

Watch-Outs

IDFC FIRST Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access
IDFC FIRST WOW! Black Credit Card
  • ₹750 fee if you spend under Rs 1.5 lakh a year
  • Base reward rate is about 0.67%
  • Lounge visit needs Rs 20,000 spend in the previous month

Card data sourced via CardAdvisor.in (IDFC FIRST Millennia Credit Card, IDFC FIRST WOW! Black Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, IDFC FIRST Millennia Credit Card or IDFC FIRST WOW! Black Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IDFC FIRST WOW! Black Credit Card: ₹750. 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%; IDFC FIRST WOW! Black 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 WOW! Black Credit Card 0.67%, 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 Millennia Credit Card: no complimentary lounge visits; IDFC FIRST WOW! Black Credit Card: 4 domestic lounge visits a year. 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 WOW! Black 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.

Work Out the Numbers

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