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Kotak Air+ Prime 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: 15 October 2026.

Kotak Air+ Prime Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureKotak Air+ Prime Credit CardKotak Air+ Prime Credit CardKotak Mahindra Bank1 recent change →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards2% on most spends; 5% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping2%0.38%
Dining and food delivery2%1.25%
Groceries2%0.38%
Travel: flights, hotels, trains2%; 5% only at Kotak Unbox1.25%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.13%
RentEarns nothing0.38%
Insurance premiumsEarns nothing0.38%
School and college feesEarns nothing0.38%
Wallet top-upsEarns nothing0.38%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencysameEarns nothingEarns nothing
Everything else2%0.38%
Card identity
Card typeTravelDining
NetworksameVisaVisa
Card tierMidEntry
Fees
Joining fee₹3,000 + GSTFree
Annual fee₹3,000 + GSTFree
Lifetime freeNoYes
Fee waived at₹4,00,000-
Eligibility
Min age18 years-
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typeAir milesReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹4,500-
Lounge access
Domestic lounge visits40
International lounge visits20
Railway lounge visits-16
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge condition4 domestic (2 per quarter) + 2 international complimentary airport lounge visits per year; international access runs on Priority Pass, and visits beyond the 2 cost US$35 eachSpend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markup2%None
Interest and charges
Interest rate (monthly)3.5%0.71%
Interest rate (annual)42%8.52%
Redemption
Redemption fee-₹99
Page content
Documents neededsamePAN 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 / 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

Kotak Air+ Prime Credit Card
Rewards a year
₹4,800
Fee a year
- ₹3,540
You keep
₹1,260
IDFC FIRST Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440

At this spend, IDFC FIRST Millennia Credit Card comes out ₹180 a year ahead of Kotak Air+ Prime 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

Kotak Air+ Prime Credit Card
  • Regular domestic and international travellers
  • Kotak Unbox bookers
  • People who want miles on everyday spends
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

Kotak Air+ Prime Credit Card
  • Only 6 lounge visits a year
  • Extra international lounge visits cost US$35
  • Fee waiver needs Rs 4 lakh spend
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 (Kotak Air+ Prime 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, Kotak Air+ Prime Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; Kotak Air+ Prime Credit Card: ₹3,000. 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%; Kotak Air+ Prime Credit Card: 2%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Kotak Air+ Prime Credit Card 2%, 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?

Kotak Air+ Prime Credit Card: 4 domestic lounge visits a year; 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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