Share

IDFC FIRST Millennia vs SBI IRCTC Platinum 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 SBI IRCTC Platinum Credit Card compared
FeatureIDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
SBI IRCTC Platinum Credit CardSBI IRCTC Platinum Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards0.38% base, up to 1.25% on dining0.8% on most spends; 8% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.38%0.8%
Dining and food delivery1.25%0.8%
Groceries0.38%0.8%
Travel: flights, hotels, trains1.25%0.8%; 8% only at IRCTC
FuelsameEarns nothingEarns nothing
Bills and recharges0.13%0.8%
Rent0.38%Earns nothing
Insurance premiums0.38%0.8%
School and college fees0.38%0.8%
Wallet top-ups0.38%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currencyEarns nothing0.8%
Everything else0.38%0.8%
Card identity
Card typeDiningTravel
NetworksameVisaVisa
Card tiersameEntryEntry
Fees
Joining feeFree₹500 + GST
Annual feeFree₹500 + GST
Lifetime freeYesNo
Eligibility
Employment typesameBOTHBOTH
Min monthly salary₹25,000-
Rewards
Reward typesameReward pointsReward points
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visitssame00
International lounge visitssame00
Railway lounge visits164
Lounge conditionSpend Rs 20,000 in the previous month for lounge access4 complimentary railway lounge visits a year in India (max 1 per quarter), for primary cardholders only
Forex and international
Forex markupNone3.5%
Interest and charges
Interest rate (monthly)0.71%-
Interest rate (annual)8.52%-
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 card Aadhaar / address proof Income proof (salary slips or ITR) 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
SBI IRCTC Platinum Credit Card
Rewards a year
₹1,920
Fee a year
- ₹590
You keep
₹1,330

At this spend, IDFC FIRST Millennia Credit Card comes out ₹110 a year ahead of SBI IRCTC Platinum 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
SBI IRCTC Platinum Credit Card
  • Frequent train travellers
  • Families who book on IRCTC
  • UPI users wanting a credit card on RuPay

Watch-Outs

IDFC FIRST Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access
SBI IRCTC Platinum Credit Card
  • Low rewards outside IRCTC
  • No airport lounge access
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (IDFC FIRST Millennia Credit Card, SBI IRCTC Platinum 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 SBI IRCTC Platinum Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; SBI IRCTC Platinum Credit Card: ₹500. 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%; SBI IRCTC Platinum 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: SBI IRCTC Platinum Credit Card 0.8%, 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; SBI IRCTC Platinum Credit Card: no complimentary lounge visits. 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

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