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IDFC FIRST Millennia vs IndiGo Axis Bank 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: 23 October 2026.

IDFC FIRST Millennia Credit Card versus IndiGo Axis Bank Credit Card compared
FeatureIDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
IndiGo Axis Bank Credit CardIndiGo Axis Bank Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards0.38% base, up to 1.25% on dining0.42% base, up to 0.84% on dining; 1.26% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.38%0.42%
Dining and food delivery1.25%0.84%
Groceries0.38%0.84%
Travel: flights, hotels, trains1.25%0.42%; 1.26% only at IndiGo
FuelsameEarns nothingEarns nothing
Bills and recharges0.13%Earns nothing
Rent0.38%Earns nothing
Insurance premiums0.38%Earns nothing
School and college fees0.38%0.42%
Wallet top-ups0.38%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currencyEarns nothing0.42%
Everything else0.38%0.42%
Card identity
Card typeDiningTravel
NetworksameVisaVisa
Card tiersameEntryEntry
Fees
Joining feeFree₹799 + GST
Annual feeFree₹799 + GST
Lifetime freeYesNo
Eligibility
Min age-18 years
Max age-70 years
Employment typesameBOTHBOTH
Min monthly salary₹25,000-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Lounge access
Domestic lounge visits04
International lounge visitssame00
Railway lounge visits16-
Lounge conditionSpend Rs 20,000 in the previous month for lounge accessSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markupNone3.5%
Interest and charges
Interest rate (monthly)0.71%3.75%
Interest rate (annual)8.52%45%
Redemption
Redemption fee₹99-
Page content
Documents neededsamePAN 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 / 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 Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440
IndiGo Axis Bank Credit Card
Rewards a year
₹1,260
Fee a year
- ₹943
You keep
₹317

At this spend, IDFC FIRST Millennia Credit Card comes out ₹1,123 a year ahead of IndiGo Axis Bank 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
IndiGo Axis Bank Credit Card
  • Regular IndiGo flyers
  • UPI users who want airline rewards
  • People who spend on grocery and dining

Watch-Outs

IDFC FIRST Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access
IndiGo Axis Bank Credit Card
  • ₹799 fee with no spend waiver
  • Lounge visit needs Rs 50,000 quarterly spend
  • Rewards only useful if you fly IndiGo
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (IDFC FIRST Millennia Credit Card, IndiGo Axis Bank 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 IndiGo Axis Bank Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IndiGo Axis Bank Credit Card: ₹799. 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%; IndiGo Axis Bank 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: IndiGo Axis Bank Credit Card 0.42%, 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; IndiGo Axis Bank 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.

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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