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IDFC FIRST Millennia vs Paytm AU 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 Paytm AU Credit Card compared
FeatureIDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Paytm AU Credit CardPaytm AU Credit CardAU Small Finance Bank3 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 nothingNot stated
Online shopping0.38%1%
Dining and food delivery1.25%1%
Groceries0.38%1%
Travel: flights, hotels, trains1.25%1%; 5% only at Paytm Travel and Paytm Gold
FuelsameEarns nothingEarns nothing
Bills and recharges0.13%1%
Rent0.38%Earns nothing
Insurance premiums0.38%Earns nothing
School and college fees0.38%Earns nothing
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 freesameYesYes
Eligibility
Min age-21 years
Max age-65 years
Employment typesameBOTHBOTH
Min monthly salary₹25,000-
Rewards
Reward typesameReward pointsReward points
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits012
International lounge visitssame00
Railway lounge visits16-
Lounge conditionSpend Rs 20,000 in the previous month for lounge accessUp to 12 complimentary domestic airport lounge visits a year, unlocked by booking a round-trip flight worth at least ₹5,000 via Paytm Travel on the Paytm app; each qualifying booking generates a Lounge QR good for up to 4 visits
Forex and international
Forex markupNone3.49%
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 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
Paytm AU Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400

At this spend, Paytm AU 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
Paytm AU Credit Card
  • Travel only at Paytm Travel and Paytm Gold: 5% back, up to ₹3,000 a month
  • Anyone who wants no annual fee, ever
  • Flyers: 12 airport lounge visits a year

Watch-Outs

IDFC FIRST Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access
Paytm AU Credit Card
  • Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • Skip it if you spend a lot on UPI payments: the card's terms do not state a rate there, so we count nothing
  • Skip it if you rarely spend on Paytm Travel and Paytm Gold: the 5% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend

Card data sourced via CardAdvisor.in (IDFC FIRST Millennia Credit Card, Paytm AU 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 Paytm AU Credit Card?

They charge the same annual fee. IDFC FIRST Millennia Credit Card: no annual fee; Paytm AU 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%; Paytm AU Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Paytm AU 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.

Which gives airport lounge access?

IDFC FIRST Millennia Credit Card: no complimentary lounge visits; Paytm AU Credit Card: 12 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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