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RBL Bank World Safari 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.

RBL Bank World Safari Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureRBL Bank World Safari Credit CardRBL Bank World Safari Credit CardRBL Bank5 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards0.5% base, up to 1.25% on travel0.38% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.5%0.38%
Dining and food delivery0.5%1.25%
Groceries0.5%0.38%
Travel: flights, hotels, trainssame1.25%1.25%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.13%
RentEarns nothing0.38%
Insurance premiumsEarns nothing0.38%
School and college fees0.5%0.38%
Wallet top-upsEarns nothing0.38%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencysameEarns nothingEarns nothing
Everything else0.5%0.38%
Card identity
Card typeTravelDining
NetworkMastercardVisa
Card tierPremiumEntry
Fees
Joining fee₹3,000 + GSTFree
Annual fee₹3,000 + GSTFree
Lifetime freeNoYes
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹250-
Lounge access
Domestic lounge visits80
International lounge visits20
Railway lounge visits-16
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 35,000 in the previous quarter for domestic lounge accessSpend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markupsameNoneNone
Interest and charges
Interest rate (monthly)3.99%0.71%
Interest rate (annual)47.88%8.52%
Redemption
Redemption feesame₹99₹99
Page content
Documents neededPAN card Aadhaar / 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
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

RBL Bank World Safari Credit Card
Rewards a year
₹1,656
Fee a year
- ₹3,540
You keep
- ₹1,884
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 ₹3,324 a year ahead of RBL Bank World Safari 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 World Safari Credit Card
  • International travellers
  • People who spend in foreign currency
  • Golfers who travel
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

RBL Bank World Safari Credit Card
  • No stated fee waiver
  • Only 2 international lounge visits a year
  • Domestic lounges need Rs 35,000 spend in the previous quarter
  • Low 0.5% on non-travel spends
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 World Safari 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 World Safari Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; RBL Bank World Safari Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

RBL Bank World Safari Credit Card has the lowest forex markup. RBL Bank World Safari 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: RBL Bank World Safari 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 World Safari Credit Card: 8 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.

Work Out the Numbers

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