IDFC FIRST Millennia Credit Card vs SimplyCLICK SBI Card
IDFC FIRST Bank · SBI Card — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IDFC FIRST BankScoreVery Good
Annual FeeFree
Max Reward2.5%
SBI CardScoreVery Good
Annual Fee₹499
Max Reward10%
IDFC FIRST Millennia Credit Card leads overall with a CardCheck Score of 79/100 (+4 pts over SimplyCLICK SBI Card).
4-Pillar Head-to-Head Breakdown
IDFC vs SimplyCLICKReward Power
35%IDFC24/35
SimplyCLICK35/35
SimplyCLICK Wins
Fee Value & ROI
25%IDFC25/25
SimplyCLICK24/25
IDFC Wins
Lounge & Travel
20%IDFC18/20
SimplyCLICK4/20
IDFC Wins
Forex & Access
20%IDFC12/20
SimplyCLICK12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 75
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 24/35
- 35/35
- Fee Value & ROI (25%)
- 25/25
- 24/25
- Lounge & Travel (20%)
- 18/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- IDFC FIRST Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- Lifetime-free millennial card — 5X on online spends, low interest, zero fee
- Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow
03—Fees
- Joining fee
- FreeBest
- ₹499
- Annual fee
- FreeBest
- ₹499
- Fee waiver
- —
- ₹1,00,000
- Interest-free days
- 45
- 50Best
04—Interest
- APR (min)
- 8.5%Best
- 42%
- APR (max)
- 46.2%
- 42%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.75%
- 1.25%Best
- Max rate
- 2.5%
- 10%Best
- Points / ₹100
- 0.75
- 1Best
- Point value
- ₹0.25
- ₹0.25
- Monthly cap
- —
- ₹5,000
06—Travel & Lounge
- Domestic lounge / qtr
- 4Best
- 0
- Lounge spend criteria
- No spend condition
- —
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹25,000
- ₹20,000
- Invite only
Rows won
05of 10
05of 10
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 75 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 24/35 | 35/35 |
| Fee Value & ROI (25%) | 25/25 | 24/25 |
| Lounge & Travel (20%) | 18/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | IDFC FIRST Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | Lifetime-free millennial card — 5X on online spends, low interest, zero fee | Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹499 |
| Annual fee | FreeBest | ₹499 |
| Fee waiver | — | ₹1,00,000 |
| Interest-free days | 45 | 50Best |
04—Interest Differences highlighted | ||
| APR (min) | 8.5%Best | 42% |
| APR (max) | 46.2% | 42%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.75% | 1.25%Best |
| Max rate | 2.5% | 10%Best |
| Points / ₹100 | 0.75 | 1Best |
| Point value | ₹0.25 | ₹0.25 |
| Monthly cap | — | ₹5,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4Best | 0 |
| Lounge spend criteria | No spend condition | — |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹25,000 | ₹20,000 |
| Invite only | ||
| Rows won | 05of 10 | 05of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC FIRST Millennia Credit Card | SimplyCLICK SBI Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 75/100Very Good |
| Annual Fee | Free (₹0) | ₹499 |
| Fee Waiver Spend | No waiver | ₹1L/yr |
| Max Reward Potential | 2.5% | 10% |
| Domestic Lounge Access | 4 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose IDFC FIRST Millennia Credit Card if:
Your spending centers around lifetime-free millennial card — 5x on online spends, low interest, zero fee and you want direct partner rewards with IDFC FIRST Bank.
Choose SimplyCLICK SBI Card if:
Your spending aligns with online shoppers — 10x on amazon, cleartrip, lenskart, bookmyshow and you prioritize SBI Card's redemption benefits.
Frequently asked questions: IDFC FIRST Millennia Credit Card vs SimplyCLICK SBI Card
- Which is better: IDFC FIRST Millennia Credit Card or SimplyCLICK SBI Card?
- IDFC FIRST Millennia Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 75/100 (Very Good) for SimplyCLICK SBI Card (a lead of +4 points). IDFC FIRST Millennia Credit Card gains its scoring lead primarily through lounge & travel privileges (18 vs 4) and fee value & ROI (25 vs 24) while tying on forex & terms.
- How do annual fees and fee waiver spend rules compare?
- IDFC FIRST Millennia 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, SimplyCLICK SBI Card charges an annual fee of ₹499 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between IDFC FIRST Millennia Credit Card and SimplyCLICK SBI Card?
- IDFC FIRST Millennia Credit Card offers a base reward rate of 0.75% and up to 2.5% on accelerated partner categories. Meanwhile, SimplyCLICK SBI Card offers a base rate of 1.25% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IDFC FIRST Millennia Credit Card or SimplyCLICK SBI Card?
- IDFC FIRST Millennia Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year). On the other hand, SimplyCLICK SBI Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- IDFC FIRST Millennia Credit Card levies a foreign currency markup fee of 3.5%, while SimplyCLICK SBI 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).