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IDFC FIRST Classic Credit Card Vs. IDFC FIRST Millennia Credit Card

IDFC FIRST Classic Credit Card

IDFC FIRST Classic Credit Card

IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card

Comparison of IDFC FIRST Classic Credit Card and IDFC FIRST Millennia Credit Card

Feature
IDFC FIRST Classic Credit Card
IDFC FIRST Millennia Credit Card
Annual Fee
₹0 (Lifetime Free)
₹0
Joining Fee
₹0
₹0
Welcome Benefits
Receive 500 reward points (worth ₹500) upon making your first transaction within 30 days of card activation.
Receive an e-gift voucher worth ₹500 on spending ₹5,000 within 30 days + 5% cashback (up to ₹1,000) on first EMI transaction within 30 days.
Interest Rate (APR)
3.5% per month (42% annually)
8.5% to 46.2% per annum
Foreign Currency Markup
3.5% + GST (~4.13%)
3.5% + GST (~4.13%)
Key Highlights
  • •Zero Annual Fee
  • •Welcome Reward Points
  • •Accelerated Rewards
  • •Fuel Surcharge Waiver
  • •Airport Lounge Access
  • •Dining Privileges
  • •Railway Lounge Access
  • •Low Forex Mark-up
  • •EMI Conversion
  • •Insurance Coverage
  • •Welcome Benefits
  • •10X Reward Points
  • •3X Reward Points
  • •Railway Lounge Access
  • •Movie Discounts
  • •Dining Privileges
  • •Fuel Surcharge Waiver
  • •Low Interest Rates
  • •Interest-Free Cash Withdrawal
  • •Insurance Coverage
Dos
  • Use the card for dining, groceries, and department stores to earn accelerated 3X reward points
  • Make your first transaction within 30 days to claim the 500 welcome bonus reward points
  • Activate transaction alerts via SMS and email to monitor every purchase and detect fraud early
  • Pay your credit card bill in full each month to avoid interest and maintain excellent credit health
  • Use the card at fuel stations for transactions between ₹400-₹4,000 to maximise the 1% surcharge waiver
  • Spend over ₹20,000 per month to unlock 10X reward points and railway lounge access
  • Use the card for online purchases to earn 6X points compared to 3X on offline spends
  • Make purchases on your birthday to earn 10X reward points automatically
  • Track reward points regularly and plan bulk redemptions to reduce the ₹99 fee
  • Pay the full credit card bill by the due date to avoid interest charges
Don'ts
  • Avoid carrying a balance beyond the due date, as interest rates reach 42% annually
  • Don't apply if you're seeking premium travel benefits like international lounge access or concierge services
  • Never share your card number, CVV, expiry date, or OTP with anyone, including those claiming to be bank representatives
  • Don't miss the minimum payment deadline to avoid late fees, interest charges, and damage to your credit score
  • Avoid withdrawing cash unless absolutely necessary due to high 2.5% fees and immediate interest charges
  • Don’t expect reward points on fuel, EMI transactions, or cash withdrawals
  • Avoid missing the Minimum Amount Due to prevent late fees and credit score impact
  • Never share your card details, PIN, CVV, or OTP with anyone
  • Avoid cash advances unless absolutely necessary due to high charges
  • Don’t forget railway lounge access requires ₹20,000 spend in the previous month

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