Share

IDFC FIRST Millennia vs Jupiter Edge+ CSB Bank 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: 5 October 2026.

IDFC FIRST Millennia Credit Card versus Jupiter Edge+ CSB Bank RuPay Credit Card compared
FeatureIDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Jupiter Edge+ CSB Bank RuPay Credit CardJupiter Edge+ CSB Bank RuPay Credit CardCSB Bank5 recent changes →
Rewards by spend
Rewards0.38% base, up to 1.25% on dining1% on most spends; 5% only at partner merchants
UPI payments (scan and pay)Earns nothing1%
Online shopping0.38%1%; 1% only at Amazon Flipkart Myntra Tata Cliq Ajio Nykaa Croma Reliance Digital Trent/Tata Retail and Reliance Retail, other online shopping earns the 1% base rate
Dining and food delivery1.25%1%
Groceries0.38%1%
Travel: flights, hotels, trains1.25%1%; 5% only at Jupiter Flights
FuelsameEarns nothingEarns nothing
Bills and recharges0.13%Earns nothing
Rent0.38%Earns nothing
Insurance premiums0.38%Earns nothing
School and college fees0.38%1%
Wallet top-ups0.38%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currencyEarns nothing1%
Everything else0.38%1%
Card identity
Card typeDiningTravel
NetworkVisaRuPay
Card tiersameEntryEntry
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freeYesNo
Eligibility
Min age-23 years
Max age-60 years
Employment typesameBOTHBOTH
Min monthly salary₹25,000-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits0-
International lounge visits0-
Railway lounge visits16-
Lounge conditionSpend Rs 20,000 in the previous month for lounge access-
Forex and international
Forex markupNone3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)0.71%3.75%
Interest rate (annual)8.52%45%
Redemption
Redemption fee₹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 or Aadhaar card (identity and address) Income proof, digital salary slips or bank statements A digital selfie for in-app verification
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
Jupiter Edge+ CSB Bank RuPay Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400

At this spend, Jupiter Edge+ CSB Bank RuPay Credit Card comes out ₹960 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
Jupiter Edge+ CSB Bank RuPay Credit Card
  • Frequent online shoppers
  • People who buy from Amazon, Flipkart and Myntra
  • UPI users wanting a free rewards card

Watch-Outs

IDFC FIRST Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access
Jupiter Edge+ CSB Bank RuPay Credit Card
  • Monthly caps on the higher rates
  • Other online stores earn only 1%
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (IDFC FIRST Millennia Credit Card, Jupiter Edge+ CSB Bank 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 Jupiter Edge+ CSB Bank RuPay Credit Card?

They charge the same annual fee. IDFC FIRST Millennia Credit Card: no annual fee; Jupiter Edge+ CSB Bank RuPay Credit Card: no annual fee.

Which is better for spending abroad?

IDFC FIRST Millennia Credit Card has the lowest forex markup. IDFC FIRST Millennia Credit Card: 0%; Jupiter Edge+ CSB Bank 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: Jupiter Edge+ CSB Bank RuPay 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.

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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works