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IDFC FIRST Millennia vs RBL Bank World Safari 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: 27 October 2026.

IDFC FIRST Millennia Credit Card versus RBL Bank World Safari Credit Card compared
FeatureIDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
RBL Bank World Safari Credit CardRBL Bank World Safari Credit CardRBL Bank5 recent changes →
Rewards by spend
Rewards0.38% base, up to 1.25% on dining0.5% base, up to 1.25% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.38%0.5%
Dining and food delivery1.25%0.5%
Groceries0.38%0.5%
Travel: flights, hotels, trainssame1.25%1.25%
FuelsameEarns nothingEarns nothing
Bills and recharges0.13%Earns nothing
Rent0.38%Earns nothing
Insurance premiums0.38%Earns nothing
School and college fees0.38%0.5%
Wallet top-ups0.38%Earns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencysameEarns nothingEarns nothing
Everything else0.38%0.5%
Card identity
Card typeDiningTravel
NetworkVisaMastercard
Card tierEntryPremium
Fees
Joining feeFree₹3,000 + GST
Annual feeFree₹3,000 + GST
Lifetime freeYesNo
Eligibility
Min age-21 years
Max age-65 years
Employment typesameBOTHBOTH
Min monthly salary₹25,000-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits08
International lounge visits02
Railway lounge visits16-
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge conditionSpend Rs 20,000 in the previous month for lounge accessSpend Rs 35,000 in the previous quarter for domestic lounge access
Forex and international
Forex markupsameNoneNone
Interest and charges
Interest rate (monthly)0.71%3.99%
Interest rate (annual)8.52%47.88%
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 Income proof (salary slips or ITR)
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
RBL Bank World Safari Credit Card
Rewards a year
₹1,656
Fee a year
- ₹3,540
You keep
- ₹1,884

At this spend, IDFC FIRST Millennia Credit Card comes out ₹3,324 a year ahead of RBL Bank World Safari 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
RBL Bank World Safari Credit Card
  • International travellers
  • People who spend in foreign currency
  • Golfers who travel

Watch-Outs

IDFC FIRST Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access
RBL Bank World Safari Credit Card
  • No stated fee waiver
  • Only 2 international lounge visits a year
  • Domestic lounges need Rs 35,000 spend in the previous quarter
  • Low 0.5% on non-travel spends

Card data sourced via CardAdvisor.in (IDFC FIRST Millennia Credit Card, RBL Bank World Safari 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 RBL Bank World Safari Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; RBL Bank World Safari Credit Card: ₹3,000. 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%; RBL Bank World Safari 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: RBL Bank World Safari 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; RBL Bank World Safari Credit Card: 8 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.

Work Out the Numbers

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