IndiGo IDFC FIRST vs IDFC FIRST 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.
| Feature |  IndiGo IDFC FIRST Credit CardIDFC First Bank7 recent changes → |  IDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.26% on most spends; 2.52% only at partner merchants | 0.38% base, up to 1.25% on dining | |
| UPI payments (scan and pay) | 1.26% | Earns nothing | |
| Online shopping | 1.26% | 0.38% | |
| Dining and food delivery | 1.26% | 1.25% | |
| Groceries | 1.26% | 0.38% | |
| Travel: flights, hotels, trains | 1.26%; 2.52% only at IndiGo flight bookings on goindigo.in and the IndiGo app | 1.25% | |
| Fuel | 0.21% | Earns nothing | |
| Bills and recharges | 0.21% | 0.13% | |
| Rent | 0.21% | 0.38% | |
| Insurance premiums | 0.21% | 0.38% | |
| School and college fees | 0.21% | 0.38% | |
| Wallet top-ups | 0.21% | 0.38% | |
| Taxes and government payments | 0.21% | Not stated | |
| Spend abroad or in a foreign currency | 0.42% | Earns nothing | |
| Everything else | 1.26% | 0.38% | |
| Card identity | |||
| Card type | Travel | Dining | |
| Network | Mastercard | Visa | |
| Card tier | Premium | Entry | |
| Fees | |||
| Joining fee | ₹4,999 + GST | Free | |
| Annual fee | ₹4,999 + GST | Free | |
| Lifetime free | No | Yes | |
| Eligibility | |||
| Min age | 18 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹25,000 | |
| Rewards | |||
| Reward type | Air miles | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Lounge access | |||
| Domestic lounge visits | - | 0 | |
| International lounge visits | - | 0 | |
| Railway lounge visits | - | 16 | |
| Lounge condition | - | Spend Rs 20,000 in the previous month for lounge access | |
| Forex and international | |||
| Forex markupsame | None | None | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | - | 0.71% | |
| Interest rate (annual) | - | 8.52% | |
| Redemption | |||
| Redemption fee | ₹0 | ₹99 | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Income proof (salary slips or ITR) | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,024
- Fee a year
- - ₹5,899
- You keep
- - ₹2,875
- Rewards a year
- ₹1,440
- Fee a year
- ₹0
- You keep
- ₹1,440
At this spend, IDFC FIRST Millennia Credit Card comes out ₹4,315 a year ahead of IndiGo IDFC FIRST 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
- Frequent IndiGo flyers
- Travellers abroad who want 0% forex markup
- First-time card users
- Young earners
- UPI payment users
- People who want no annual fee
Watch-Outs
- High annual fee of ₹4,999
- BluChips are worth most only on IndiGo
- Reduced rate on fuel and education; nothing on EMI and cash
- Base earning is only about 0.38%
- Low earning on utility bills
- No airport lounge access
Card data sourced via CardAdvisor.in (IndiGo IDFC FIRST 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, IndiGo IDFC FIRST Credit Card or IDFC FIRST Millennia Credit Card?
IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IndiGo IDFC FIRST Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IndiGo IDFC FIRST Credit Card has the lowest forex markup. IndiGo IDFC FIRST 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: IndiGo IDFC FIRST Credit Card 1.26%, 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
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Guides in Plain Words
Short reads that explain how it works before you decide.
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