IDFC FIRST Millennia vs IRCTC BOBCARD RuPay 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.
| Feature |  IDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes → |  IRCTC BOBCARD RuPay Credit CardBank of Baroda5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.38% base, up to 1.25% on dining | 0.5% base, up to 1% on groceries; 4% only at partner merchants | |
| UPI payments (scan and pay) | Earns nothing | 0.5% | |
| Online shopping | 0.38% | 0.5% | |
| Dining and food delivery | 1.25% | 0.5% | |
| Groceries | 0.38% | 1% | |
| Travel: flights, hotels, trains | 1.25% | 0.5%; 4% only at IRCTC railway ticket bookings | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.13% | Earns nothing | |
| Rent | 0.38% | Earns nothing | |
| Insurance premiums | 0.38% | Earns nothing | |
| School and college fees | 0.38% | Earns nothing | |
| Wallet top-ups | 0.38% | 0.5% | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | Earns nothing | 0.5% | |
| Everything else | 0.38% | 0.5% | |
| Card identity | |||
| Card type | Dining | Travel | |
| Network | Visa | RuPay | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | Free | ₹500 + GST | |
| Annual fee | Free | ₹350 + GST | |
| Lifetime free | Yes | No | |
| Eligibility | |||
| Min age | - | 21 years | |
| Max age | - | 60 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹25,000 | ₹30,000 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visitssame | 0 | 0 | |
| International lounge visitssame | 0 | 0 | |
| Railway lounge visits | 16 | 4 | |
| Lounge condition | Spend Rs 20,000 in the previous month for lounge access | Up to 4 complimentary railway lounge visits a year (max 1 per quarter) | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 0.71% | 3.75% | |
| Interest rate (annual) | 8.52% | 45% | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,440
- Fee a year
- ₹0
- You keep
- ₹1,440
- Rewards a year
- ₹1,500
- Fee a year
- - ₹413
- You keep
- ₹1,087
At this spend, IDFC FIRST Millennia Credit Card comes out ₹353 a year ahead of IRCTC BOBCARD RuPay 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
- First-time card users
- Young earners
- UPI payment users
- People who want no annual fee
- Travel only at IRCTC railway ticket bookings: 4% back
- Groceries: 1% back, up to ₹250 a month
- Flyers: some airport lounge visits a year
Watch-Outs
- Base earning is only about 0.38%
- Low earning on utility bills
- No airport lounge access
- Skip it if you spend less than ₹7,000 a month: below that the ₹413 fee costs more than the rewards
- Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- Skip it if you rarely spend on IRCTC railway ticket bookings: the 4% rate applies only there, everything else earns 0.5%
- Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
Card data sourced via CardAdvisor.in (IDFC FIRST Millennia Credit Card, IRCTC BOBCARD RuPay 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 IRCTC BOBCARD RuPay Credit Card?
IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IRCTC BOBCARD RuPay Credit Card: ₹350. 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%; IRCTC BOBCARD RuPay 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: IRCTC BOBCARD RuPay Credit Card 0.5%, 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; IRCTC BOBCARD RuPay Credit Card: no complimentary lounge visits. 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 Millennia Credit Card ₹25,000, IRCTC BOBCARD RuPay Credit Card ₹30,000. 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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