Share

Jupiter Edge+ CSB Bank RuPay 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: 5 October 2026.

Jupiter Edge+ CSB Bank RuPay Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureJupiter Edge+ CSB Bank RuPay Credit CardJupiter Edge+ CSB Bank RuPay Credit CardCSB 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%; 1% only at Amazon Flipkart Myntra Tata Cliq Ajio Nykaa Croma Reliance Digital Trent/Tata Retail and Reliance Retail, other online shopping earns the 1% base rate0.38%
Dining and food delivery1%1.25%
Groceries1%0.38%
Travel: flights, hotels, trains1%; 5% only at Jupiter Flights1.25%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.13%
RentEarns nothing0.38%
Insurance premiumsEarns nothing0.38%
School and college fees1%0.38%
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 tiersameEntryEntry
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freeNoYes
Eligibility
Min age23 years-
Max age60 years-
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹100-
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 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 neededPAN or Aadhaar card (identity and address) Income proof, digital salary slips or bank statements A digital selfie for in-app verificationPAN 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

Jupiter Edge+ CSB Bank RuPay 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, Jupiter Edge+ CSB Bank RuPay 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

Jupiter Edge+ CSB Bank RuPay Credit Card
  • Frequent online shoppers
  • People who buy from Amazon, Flipkart and Myntra
  • UPI users wanting a free rewards card
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

Jupiter Edge+ CSB Bank RuPay Credit Card
  • Monthly caps on the higher rates
  • Other online stores earn only 1%
  • 3.5% forex fee
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 (Jupiter Edge+ CSB Bank RuPay 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, Jupiter Edge+ CSB Bank RuPay Credit Card or IDFC FIRST Millennia Credit Card?

They charge the same annual fee. Jupiter Edge+ CSB Bank RuPay Credit Card: no annual fee; IDFC FIRST Millennia Credit Card: no annual fee.

Which is better for spending abroad?

IDFC FIRST Millennia Credit Card has the lowest forex markup. IDFC FIRST Millennia Credit Card: 0%; Jupiter Edge+ CSB Bank RuPay 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: Jupiter Edge+ CSB Bank RuPay 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.

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