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IRCTC HDFC Bank 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: 11 October 2026.

IRCTC HDFC Bank Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureIRCTC HDFC Bank Credit CardIRCTC HDFC Bank Credit CardHDFC Bank5 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards1% on most spends; 5% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)1%Earns nothing
Online shopping1%0.38%
Dining and food delivery1%1.25%
Groceries1%0.38%
Travel: flights, hotels, trains1%; 5% only at IRCTC website & Rail Connect app1.25%
FuelsameEarns nothingEarns nothing
Bills and recharges1%0.13%
RentEarns nothing0.38%
Insurance premiums1%0.38%
School and college feesEarns nothing0.38%
Wallet top-upsEarns nothing0.38%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%Earns nothing
Everything else1%0.38%
Card identity
Card typeTravelDining
NetworkRuPayVisa
Card tierMidEntry
Fees
Joining fee₹500 + GSTFree
Annual fee₹500 + GSTFree
Lifetime freeNoYes
Fee waived at₹1,50,000-
Eligibility
Min age21 years-
Max age60 years-
Employment type-BOTH
Min monthly salarysame₹25,000₹25,000
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visitssame00
International lounge visitssame00
Railway lounge visits816
Lounge condition8 complimentary IRCTC Executive Lounge visits/year (2/quarter) at select railway stations, not airport lounges. You must present a valid, unexpired train ticket at the entrance, and a ₹2 card-validation charge applies per visit. Includes a 2-hour stay anSpend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markup3.5%None
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)3.75%0.71%
Interest rate (annual)45%8.52%
Redemption
Redemption fee-₹99
Page content
Documents needed-PAN 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

IRCTC HDFC Bank Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
IDFC FIRST Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440

At this spend, IRCTC HDFC Bank 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

IRCTC HDFC Bank Credit Card
  • Regular train travellers
  • Families who book trains often
  • People who commute between cities by rail
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

IRCTC HDFC Bank Credit Card
  • Most value is limited to IRCTC bookings
  • Rewards are capped each month
  • No airport lounge access
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 (IRCTC HDFC Bank 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, IRCTC HDFC Bank Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; IRCTC HDFC Bank 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%; IRCTC HDFC Bank 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: IRCTC HDFC Bank 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?

IRCTC HDFC Bank 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.

Which is easier to get?

By stated minimum monthly income: IRCTC HDFC Bank Credit Card ₹25,000, IDFC FIRST Millennia Credit Card ₹25,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.

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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