Adani One ICICI Bank Platinum Credit Card vs IDFC FIRST Millennia Credit Card
ICICI Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ScoreVery Good
Annual Fee₹750
Max Reward3%
IDFC FIRST BankScoreVery Good
Annual FeeFree
Max Reward5%
IDFC FIRST Millennia Credit Card leads overall with a CardCheck Score of 77/100 (+3 pts over Adani One ICICI Bank Platinum Credit Card).
4-Pillar Head-to-Head Breakdown
Adani vs IDFCReward Power
35%Adani27/35
IDFC34/35
IDFC Wins
Fee Value & ROI
25%Adani20/25
IDFC25/25
IDFC Wins
Lounge & Travel
20%Adani15/20
IDFC4/20
Adani Wins
Forex & Access
20%Adani12/20
IDFC14/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 74
- 77Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 27/35
- 34/35
- Fee Value & ROI (25%)
- 20/25
- 25/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- ICICI Bank
- IDFC FIRST Bank
- Network
- Visa
- Visa
- Card type
- Co-branded
- Regular
- Best for
- Adani One travel bookings — flights, hotels & Adani properties
- Lifetime-free millennial card — 5X on online spends, low interest, zero fee
03—Fees
- Joining fee
- ₹750
- FreeBest
- Annual fee
- ₹750
- FreeBest
- Fee waiver
- ₹1,00,000
- —
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- 42%
- 8.5%Best
- APR (max)
- 45%Best
- 46.2%
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 0.5%
- 1%Best
- Max rate
- 3%
- 5%Best
- Points / ₹100
- —
- 0.5
- Point value
- —
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1.5%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹20,000
- ₹25,000
- Min CIBIL
- 700
- 700
- Invite only
Rows won
04of 11
07of 11
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 74 | 77Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 27/35 | 34/35 |
| Fee Value & ROI (25%) | 20/25 | 25/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | IDFC FIRST Bank |
| Network | Visa | Visa |
| Card type | Co-branded | Regular |
| Best for | Adani One travel bookings — flights, hotels & Adani properties | Lifetime-free millennial card — 5X on online spends, low interest, zero fee |
03—Fees Differences highlighted | ||
| Joining fee | ₹750 | FreeBest |
| Annual fee | ₹750 | FreeBest |
| Fee waiver | ₹1,00,000 | — |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 8.5%Best |
| APR (max) | 45%Best | 46.2% |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 0.5% | 1%Best |
| Max rate | 3% | 5%Best |
| Points / ₹100 | — | 0.5 |
| Point value | — | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.5%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹20,000 | ₹25,000 |
| Min CIBIL | 700 | 700 |
| Invite only | ||
| Rows won | 04of 11 | 07of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Adani One ICICI Bank Platinum Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| CardCheck Score | 74/100Very Good | 77/100Very Good |
| Annual Fee | ₹750 | Free (₹0) |
| Fee Waiver Spend | ₹1L/yr | No waiver |
| Max Reward Potential | 3% | 5% |
| Domestic Lounge Access | 2 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 1.5% |
Choose Adani One ICICI Bank Platinum Credit Card if:
Your spending centers around adani one travel bookings — flights, hotels & adani properties and you want direct partner rewards with ICICI 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: Adani One ICICI Bank Platinum Credit Card vs IDFC FIRST Millennia Credit Card
- Which is better: Adani One ICICI Bank Platinum 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 74/100 (Very Good) for Adani One ICICI Bank Platinum 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?
- Adani One ICICI Bank Platinum Credit Card charges an annual fee of ₹750 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 Adani One ICICI Bank Platinum Credit Card and IDFC FIRST Millennia Credit Card?
- Adani One ICICI Bank Platinum Credit Card offers a base reward rate of 0.5% and up to 3% 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: Adani One ICICI Bank Platinum Credit Card or IDFC FIRST Millennia Credit Card?
- Adani One ICICI Bank Platinum Credit Card provides 2 domestic lounge visit(s) per quarter. 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?
- Adani One ICICI Bank Platinum Credit Card levies a foreign currency markup fee of 3.5%, 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).