AU LIT Credit Card vs IDFC FIRST Millennia Credit Card
AU Small Finance Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreVery Good
Annual FeeFree
Max Reward10%
IDFC FIRST BankScoreVery Good
Annual FeeFree
Max Reward2.5%
IDFC FIRST Millennia Credit Card leads overall with a CardCheck Score of 79/100 (+3 pts over AU LIT Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs IDFCReward Power
35%AU35/35
IDFC24/35
AU Wins
Fee Value & ROI
25%AU25/25
IDFC25/25
Tie (25/25)
Lounge & Travel
20%AU4/20
IDFC18/20
IDFC Wins
Forex & Access
20%AU12/20
IDFC12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 76
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 24/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- AU Small Finance Bank
- IDFC FIRST Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- customizable rewards, cashback seekers, lounge and OTT feature users
- Lifetime-free millennial card — 5X on online spends, low interest, zero fee
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Interest-free days
- —
- 45
04—Interest
- APR (min)
- 45%
- 8.5%Best
- APR (max)
- 45%Best
- 46.2%
- Late payment fee
- ₹1,100Best
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- hybrid
- points
- Min rate
- 1%Best
- 0.75%
- Max rate
- 10%Best
- 2.5%
- Points / ₹100
- 1Best
- 0.75
- Point value
- ₹0.25
- ₹0.25
- Monthly cap
- ₹500
- —
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 4
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.49%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- —
- ₹25,000
- Invite only
Rows won
06of 08
02of 08
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 76 | 79Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 24/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | IDFC FIRST Bank |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | customizable rewards, cashback seekers, lounge and OTT feature users | Lifetime-free millennial card — 5X on online spends, low interest, zero fee |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Interest-free days | — | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 8.5%Best |
| APR (max) | 45%Best | 46.2% |
| Late payment fee | ₹1,100Best | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | hybrid | points |
| Min rate | 1%Best | 0.75% |
| Max rate | 10%Best | 2.5% |
| Points / ₹100 | 1Best | 0.75 |
| Point value | ₹0.25 | ₹0.25 |
| Monthly cap | ₹500 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 4 |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.49%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | — | ₹25,000 |
| Invite only | ||
| Rows won | 06of 08 | 02of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU LIT Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| CardCheck Score | 76/100Very Good | 79/100Very Good |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 10% | 2.5% |
| Domestic Lounge Access | Check terms | 4 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.49% | 3.5% |
Choose AU LIT Credit Card if:
Your spending centers around customizable rewards, cashback seekers, lounge and ott feature users and you want direct partner rewards with AU Small Finance Bank.
Choose IDFC FIRST Millennia Credit Card if:
Your spending aligns with lifetime-free millennial card — 5x on online spends, low interest, zero fee and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: AU LIT Credit Card vs IDFC FIRST Millennia Credit Card
- Which is better: AU LIT Credit Card or IDFC FIRST Millennia Credit Card?
- IDFC FIRST Millennia Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 76/100 (Very Good) for AU LIT Credit Card (a lead of +3 points). IDFC FIRST Millennia Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- AU LIT Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, IDFC FIRST Millennia Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between AU LIT Credit Card and IDFC FIRST Millennia Credit Card?
- AU LIT Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, IDFC FIRST Millennia Credit Card offers a base rate of 0.75% and up to 2.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: AU LIT Credit Card or IDFC FIRST Millennia Credit Card?
- AU LIT Credit Card provides no complimentary airport lounge access. On the other hand, IDFC FIRST Millennia Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year).
- Which card is better for international foreign currency spends?
- AU LIT Credit Card levies a foreign currency markup fee of 3.49%, while IDFC FIRST Millennia Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).