IDFC FIRST Classic Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Complimentary railway lounge access is subject to a spend threshold of Rs 20,000 in the previous calendar month.
- 4 complimentary railway lounge visits per quarter
3.5%Forex markup
Best for
lifetime free, shopping, railway lounge, movies, rewards
Top rewards
Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 spent
IDFC FIRST Millennia Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Complimentary railway lounge access is subject to a spend threshold of Rs 20,000 in the previous calendar month.
- 4 complimentary railway lounge visits per quarter
3.5%Forex markup
Best for
lifetime free, shopping, movies, rewards, young users
Top rewards
Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 spent
| Feature | IDFC FIRST Classic Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Network | Visa, Mastercard, RuPay | Visa, Mastercard |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | reward points | reward points |
| Best for | lifetime free, shopping, railway lounge, movies, rewards | lifetime free, shopping, movies, rewards, young users |
| Top reward categories | Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 spent | Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions |