IDFC FIRST Ashva Credit Card vs IDFC FIRST Millennia Credit Card
IDFC FIRST Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IDFC FIRST BankScoreVery Good
Annual Fee₹2,999
Max Reward2.67%
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 IDFC FIRST Ashva Credit Card).
4-Pillar Head-to-Head Breakdown
IDFC vs IDFCReward Power
35%IDFC24/35
IDFC24/35
Tie (24/35)
Fee Value & ROI
25%IDFC18/25
IDFC25/25
IDFC Wins
Lounge & Travel
20%IDFC20/20
IDFC18/20
IDFC Wins
Forex & Access
20%IDFC14/20
IDFC12/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 76
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 24/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 25/25
- Lounge & Travel (20%)
- 20/20
- 18/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- IDFC FIRST Bank
- IDFC FIRST Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Regular
- Best for
- Metal Visa Infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60X RP on app travel
- Lifetime-free millennial card — 5X on online spends, low interest, zero fee
03—Fees
- Joining fee
- ₹2,999
- FreeBest
- Annual fee
- ₹2,999
- FreeBest
- Fee waiver
- ₹8,00,000
- —
- Interest-free days
- 46Best
- 45
04—Interest
- APR (min)
- 8.5%
- 8.5%
- APR (max)
- 46.2%
- 46.2%
- Late payment fee
- ₹1,300
- ₹1,300
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.83%Best
- 0.75%
- Max rate
- 2.67%Best
- 2.5%
- Points / ₹100
- 0.67
- 0.75Best
- Point value
- ₹0.25
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 4
- 4
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 8Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- ₹25,000
- Invite only
Rows won
05of 09
04of 09
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 76 | 79Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 24/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 25/25 |
| Lounge & Travel (20%) | 20/20 | 18/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | IDFC FIRST Bank | IDFC FIRST Bank |
| Network | Visa | Visa |
| Card type | Premium | Regular |
| Best for | Metal Visa Infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60X RP on app travel | Lifetime-free millennial card — 5X on online spends, low interest, zero fee |
03—Fees Differences highlighted | ||
| Joining fee | ₹2,999 | FreeBest |
| Annual fee | ₹2,999 | FreeBest |
| Fee waiver | ₹8,00,000 | — |
| Interest-free days | 46Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 8.5% | 8.5% |
| APR (max) | 46.2% | 46.2% |
| Late payment fee | ₹1,300 | ₹1,300 |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.83%Best | 0.75% |
| Max rate | 2.67%Best | 2.5% |
| Points / ₹100 | 0.67 | 0.75Best |
| Point value | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4 | 4 |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 8Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | ₹25,000 |
| Invite only | ||
| Rows won | 05of 09 | 04of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC FIRST Ashva Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| CardCheck Score | 76/100Very Good | 79/100Very Good |
| Annual Fee | ₹2,999 | Free (₹0) |
| Fee Waiver Spend | ₹8L/yr | No waiver |
| Max Reward Potential | 2.67% | 2.5% |
| Domestic Lounge Access | 4 / quarter | 4 / quarter |
| International Lounge | 8 / year | None |
| Forex Markup Fee | 1% | 3.5% |
Choose IDFC FIRST Ashva Credit Card if:
Your spending centers around metal visa infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60x rp on app travel and you want direct partner rewards with IDFC FIRST 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.
Popular Comparisons for IDFC FIRST Ashva Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for IDFC FIRST Millennia Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: IDFC FIRST Ashva Credit Card vs IDFC FIRST Millennia Credit Card
- Which is better: IDFC FIRST Ashva 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 IDFC FIRST Ashva Credit Card (a lead of +3 points). IDFC FIRST Millennia Credit Card gains its scoring lead primarily through fee value & ROI (25 vs 18) while tying on reward potential.
- How do annual fees and fee waiver spend rules compare?
- IDFC FIRST Ashva Credit Card charges an annual fee of ₹2,999 with an annual spend threshold of ₹8 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 IDFC FIRST Ashva Credit Card and IDFC FIRST Millennia Credit Card?
- IDFC FIRST Ashva Credit Card offers a base reward rate of 0.83% and up to 2.67% 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: IDFC FIRST Ashva Credit Card or IDFC FIRST Millennia Credit Card?
- IDFC FIRST Ashva Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 8 international lounge visits/year. 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?
- IDFC FIRST Ashva Credit Card levies a foreign currency markup fee of 1%, 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).