Credit Cards · Head to Head

IDFC FIRST Millennia Credit Card vs HDFC Millennia Credit Card

Side-by-side comparison of fees, rewards, and benefits. Find out which card wins for your situation.

IDFC FIRST Bank

IDFC FIRST Millennia Credit Card

Lifetime free annual fee · 0.75% base rate

Pick this if you want:

  • ✓Lower annual fee (Lifetime free vs ₹1,000/yr)
  • ✓Lower income requirement — easier to get approved

HDFC Bank

HDFC Millennia Credit Card

₹1,000/yr annual fee · 1% base rate

Pick this if you want:

  • ✓Higher top reward rate (5% on Shopping)
  • ✓Includes airport lounge access
  • ✓Higher base reward rate (1% vs 0.75%)

Full Comparison

FeatureIDFC FIRST Millennia Credit CardHDFC Millennia Credit Card
Annual feeLifetime free (waivable)₹1,000/yr (waivable)
Joining fee✓Free₹1,000
Base reward rate0.75%✓1%
Top bonus rate1.25% on Dining✓5% on Shopping
Lounge accessNo✓Yes (8/yr)
Forex markup2.5%Not disclosed
Min monthly income✓₹25,000₹35,000
Min CIBIL score✓700+720+
NetworkVisaVisa

IDFC FIRST Millennia Credit Card vs HDFC Millennia Credit Card — FAQs

Which is better — IDFC FIRST Millennia Credit Card or HDFC Millennia Credit Card?
It depends on your spending pattern. IDFC FIRST Millennia Credit Card is better if: lower annual fee (lifetime free vs ₹1,000/yr). HDFC Millennia Credit Card is better if: higher top reward rate (5% on shopping). Use the SingleVerdict finder to get a personalised answer based on your exact income, spending, and goals.
What is the annual fee difference between IDFC FIRST Millennia Credit Card and HDFC Millennia Credit Card?
IDFC FIRST Millennia Credit Card has an annual fee of Lifetime free, waivable if Lifetime free, no annual fee under any condition. HDFC Millennia Credit Card has an annual fee of ₹1,000/yr, waivable if Spend ₹1L/year.
Which card has better rewards — IDFC FIRST Millennia Credit Card or HDFC Millennia Credit Card?
IDFC FIRST Millennia Credit Card earns 0.75% base reward rate and up to 1.25% on Dining. HDFC Millennia Credit Card earns 1% base reward rate and up to 5% on Shopping. Pick the card whose bonus category matches where you spend the most.
Which card is easier to get approved for?
IDFC FIRST Millennia Credit Card requires a minimum monthly income of ₹25,000 and CIBIL score of 700+. HDFC Millennia Credit Card requires ₹35,000 and CIBIL score of 720+. IDFC FIRST Millennia Credit Card has a lower income threshold and may be easier to qualify for.
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Information on this page is gathered from public sources and card issuers' official websites. Fees and rates may change — verify on the issuer website before applying. SingleVerdict may earn a referral fee if you apply through our links.