HDFC Millennia Credit Card vs IDFC FIRST Millennia Credit Card
HDFC Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
IDFC FIRST BankScoreVery Good
Annual FeeFree
Max Reward5%
IDFC FIRST Millennia Credit Card leads overall with a CardCheck Score of 77/100 (+4 pts over HDFC Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs IDFCReward Power
35%HDFC34/35
IDFC34/35
Tie (34/35)
Fee Value & ROI
25%HDFC20/25
IDFC25/25
IDFC Wins
Lounge & Travel
20%HDFC11/20
IDFC4/20
HDFC Wins
Forex & Access
20%HDFC8/20
IDFC14/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 73
- 77Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 20/25
- 25/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- HDFC Bank
- IDFC FIRST Bank
- Network
- Visa, Mastercard
- Visa
- Card type
- Regular
- Regular
- Best for
- online shoppers
- Lifetime-free millennial card — 5X on online spends, low interest, zero fee
03—Fees
- Joining fee
- ₹1,000
- FreeBest
- Annual fee
- ₹1,000
- FreeBest
- Fee waiver
- ₹1,00,000
- —
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- —
- 8.5%
- APR (max)
- —
- 46.2%
- Late payment fee
- —
- ₹1,300
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 5%
- Points / ₹100
- —
- 0.5
- Point value
- ₹1
- ₹0.25
- Monthly cap
- ₹3,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 1.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹35,000
- ₹25,000
- Min CIBIL
- —
- 700
- Invite only
Rows won
01of 04
03of 04
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73 | 77Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 20/25 | 25/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | IDFC FIRST Bank |
| Network | Visa, Mastercard | Visa |
| Card type | Regular | Regular |
| Best for | online shoppers | Lifetime-free millennial card — 5X on online spends, low interest, zero fee |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000 | FreeBest |
| Annual fee | ₹1,000 | FreeBest |
| Fee waiver | ₹1,00,000 | — |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | — | 8.5% |
| APR (max) | — | 46.2% |
| Late payment fee | — | ₹1,300 |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1% | 1% |
| Max rate | 5% | 5% |
| Points / ₹100 | — | 0.5 |
| Point value | ₹1 | ₹0.25 |
| Monthly cap | ₹3,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 1.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹35,000 | ₹25,000 |
| Min CIBIL | — | 700 |
| Invite only | ||
| Rows won | 01of 04 | 03of 04 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Millennia Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 77/100Very Good |
| Annual Fee | ₹1,000 | Free (₹0) |
| Fee Waiver Spend | ₹1L/yr | No waiver |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 1.5% |
Choose HDFC Millennia Credit Card if:
Your spending centers around online shoppers and you want direct partner rewards with HDFC 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: HDFC Millennia Credit Card vs IDFC FIRST Millennia Credit Card
- Which is better: HDFC Millennia Credit Card or IDFC FIRST Millennia Credit Card?
- IDFC FIRST Millennia Credit Card holds a higher overall rating with a CardCheck Score of 77/100 (Very Good) compared to 73/100 (Very Good) for HDFC Millennia Credit Card (a lead of +4 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?
- HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh 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 HDFC Millennia Credit Card and IDFC FIRST Millennia Credit Card?
- HDFC Millennia Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, IDFC FIRST Millennia Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Millennia Credit Card or IDFC FIRST Millennia Credit Card?
- HDFC Millennia Credit Card provides no complimentary domestic lounge access. On the other hand, IDFC FIRST Millennia Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HDFC Millennia Credit Card levies a foreign currency markup fee of 3.50%, while IDFC FIRST Millennia Credit Card charges 1.5%. 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).