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IDFC FIRST SWYP vs Millennia 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 SWYP Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureIDFC FIRST SWYP Credit CardIDFC FIRST SWYP Credit CardIDFC First Bank7 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards1% on most spends; 3% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%0.38%
Dining and food delivery1%1.25%
Groceries1%0.38%
Travel: flights, hotels, trains1%; 3% only at Hotel and flight bookings made through the FIRST Rewards Gallery in the IDFC FIRST Bank app1.25%
FuelsameEarns nothingEarns nothing
Bills and recharges1%0.13%
Rent1%0.38%
Insurance premiums1%0.38%
School and college fees1%0.38%
Wallet top-ups1%0.38%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencysameEarns nothingEarns nothing
Everything else1%0.38%
Card identity
Card typeTravelDining
NetworkMastercardVisa
Card tiersameEntryEntry
Fees
Joining fee₹499 + GSTFree
Annual fee₹499 + GSTFree
Lifetime freeNoYes
Eligibility
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visitssame00
International lounge visitssame00
Railway lounge visitssame1616
Lounge conditionsameSpend Rs 20,000 in the previous month for lounge accessSpend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markupsameNoneNone
Interest and charges
Interest rate (monthly)None0.71%
Interest rate (annual)None8.52%
Redemption
Redemption feesame₹99₹99
Page content
Documents neededPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

IDFC FIRST SWYP Credit Card
Rewards a year
₹2,400
Fee a year
- ₹589
You keep
₹1,811
IDFC FIRST Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440

At this spend, IDFC FIRST SWYP Credit Card comes out ₹371 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 SWYP Credit Card
  • First-time card users with a steady salary
  • Train travellers who use railway lounges
  • People who book travel through the IDFC FIRST app
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

IDFC FIRST SWYP Credit Card
  • No fee waiver, however much you spend
  • No airport lounge access
  • Railway lounges need Rs 20,000 spend in the previous month
IDFC FIRST Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access

Card data sourced via CardAdvisor.in (IDFC FIRST SWYP Credit Card, IDFC FIRST Millennia Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, IDFC FIRST SWYP Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IDFC FIRST SWYP Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST SWYP Credit Card has the lowest forex markup. IDFC FIRST SWYP Credit Card: 0%; IDFC FIRST Millennia 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: IDFC FIRST SWYP 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 SWYP Credit Card: no complimentary lounge visits; IDFC FIRST Millennia 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.

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