IDFC FIRST Millennia Credit Card Vs. IDFC FIRST Select Credit Card

IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

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

Feature	IDFC FIRST Millennia Credit Card	IDFC FIRST Select Credit Card
Annual Fee	₹0	₹0
Joining Fee	₹0	₹0
Welcome Benefits	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.	N/A
Interest Rate (APR)	8.5% to 46.2% per annum	0.75% to 3.5% per month (9% to 42% per annum)
Foreign Currency Markup	3.5% + GST (~4.13%)	1.99%
Key Highlights	•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	•Welcome Benefits •Accelerated Rewards Programme •Standard Rewards •Complimentary Airport Lounge Access •Railway Lounge Access •Unlimited, Never-Expiring Reward Points •Fuel Surcharge Waiver •Movie Benefits •Travel Insurance •Personal Accident Cover •Low Foreign Currency Markup
Dos	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	Aim for ₹20,000+ monthly spends to unlock 10X reward points and qualify for lounge access Use the card extensively on your birthday to earn 10X reward points on all transactions Leverage the low 1.99% forex markup for international travel and foreign online purchases Use the card for rent, utilities, and insurance to earn rewards where other cards don’t Accumulate reward points before redeeming to minimise the ₹99 redemption fee
Don'ts	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	Avoid exceeding your credit limit to prevent overlimit charges of 2.5% (minimum ₹500) Don’t miss minimum payment deadlines to avoid late fees, high interest, and credit score damage Don’t use the card for cash advances unless absolutely necessary Avoid paying only the minimum amount, as interest accumulates rapidly Don’t forget the ₹20,000 monthly spend requirement for lounge access

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