Share

SpiceJet Axis Bank Voyage Black 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.

SpiceJet Axis Bank Voyage Black Credit Card versus IDFC FIRST Millennia Credit Card compared
FeatureSpiceJet Axis Bank Voyage Black Credit CardSpiceJet Axis Bank Voyage Black Credit CardAxis Bank5 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards1.5% base, up to 3% on online shopping; 7% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping3%0.38%
Dining and food delivery1.5%1.25%
Groceries1.5%0.38%
Travel: flights, hotels, trains1.5%; 7% only at SpiceJet1.25%
FuelsameEarns nothingEarns nothing
Bills and recharges1.5%0.13%
RentEarns nothing0.38%
Insurance premiums1.5%0.38%
School and college fees1.5%0.38%
Wallet top-upsEarns nothing0.38%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency1.5%Earns nothing
Everything else1.5%0.38%
Card identity
Card typeTravelDining
NetworksameVisaVisa
Card tierPremiumEntry
Fees
Joining fee₹2,000 + GSTFree
Annual fee₹2,000 + GSTFree
Lifetime freeNoYes
Eligibility
Min age18 years-
Max age70 years-
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits80
International lounge visitssame00
Railway lounge visits-16
Lounge condition8 complimentary domestic lounge visits a year (2 per quarter)Spend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markup3.5%None
Interest and charges
Interest rate (monthly)3.75%0.71%
Interest rate (annual)45%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
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

SpiceJet Axis Bank Voyage Black Credit Card
Rewards a year
₹4,500
Fee a year
- ₹2,360
You keep
₹2,140
IDFC FIRST Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440

At this spend, SpiceJet Axis Bank Voyage Black Credit Card comes out ₹700 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

SpiceJet Axis Bank Voyage Black Credit Card
  • Travel only at SpiceJet: 7% back
  • Online shopping: 3% back
  • Flyers: 8 airport lounge visits a year
IDFC FIRST Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

Watch-Outs

SpiceJet Axis Bank Voyage Black Credit Card
  • Skip it if you spend less than ₹13,500 a month: below that the ₹2,360 fee costs more than the rewards
  • Skip it if most of your spending is fuel, rent or wallet top-ups: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
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 (SpiceJet Axis Bank Voyage Black 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, SpiceJet Axis Bank Voyage Black Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; SpiceJet Axis Bank Voyage Black Credit Card: ₹2,000. 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%; SpiceJet Axis Bank Voyage Black 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: SpiceJet Axis Bank Voyage Black Credit Card 1.5%, 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?

SpiceJet Axis Bank Voyage Black 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

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