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RBL Bank IRCTC 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.

RBL Bank IRCTC Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureRBL Bank IRCTC Credit CardRBL Bank IRCTC Credit CardRBL Bank3 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards0.5% on most spends; 2.5% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)0.5%Earns nothing
Online shopping0.5%0.38%
Dining and food delivery0.5%1.25%
Groceries0.5%0.38%
Travel: flights, hotels, trains0.5%; 2.5% only at IRCTC train ticket bookings1.25%
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 currency0.5%Earns nothing
Everything else0.5%0.38%
Card identity
Card typeTravelDining
NetworkRuPayVisa
Card tiersameEntryEntry
Fees
Joining fee₹500 + GSTFree
Annual fee₹500 + GSTFree
Lifetime freeNoYes
Eligibility
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Lounge access
Domestic lounge visitssame00
International lounge visitssame00
Railway lounge visits816
Lounge condition8 complimentary railway-station lounge visits a year (2 per quarter) at participating IRCTC loungesSpend 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)3.99%0.71%
Interest rate (annual)47.88%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

RBL Bank IRCTC Credit Card
Rewards a year
₹1,200
Fee a year
- ₹590
You keep
₹610
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 ₹830 a year ahead of RBL Bank IRCTC 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

RBL Bank IRCTC Credit Card
  • Frequent train travellers
  • People who book on IRCTC for family
  • Students and workers who travel home by train
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

RBL Bank IRCTC Credit Card
  • No stated fee waiver
  • Only about 0.5% on non-rail spends
  • No airport lounge access
  • 3.5% forex markup
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 (RBL Bank IRCTC 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, RBL Bank IRCTC Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; RBL Bank IRCTC 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%; RBL Bank IRCTC 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: RBL Bank IRCTC Credit Card 0.5%, 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?

RBL Bank IRCTC 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.

Work Out the Numbers

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