Millennia Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Complimentary railway lounge access is subject to a spend threshold of ₹20,000 in the previous calendar month.
- 4 complimentary railway lounge visits per quarter
0%Forex markup
Best for
Lifetime Free, Shopping, Movies, Rewards, Young Users
Top rewards
Other Retail Spends Up To ₹20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per INR 200 spent; Utility, Insurance, FASTag, And Railway Transactions: 1 Reward Point per INR 200 spent
Imperio Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of ₹40,000 in the preceding quarter).
3.5%Forex markup
Best for
Grocery, Healthcare, Lounge, Movies, Lifetime Free
Top rewards
Grocery Spends: 3 Reward Points / ₹100 spent; Healthcare Spends: 3 Reward Points / ₹100 spent; Utility Spends: 2 Reward Points / ₹100 spent
| Feature | Millennia Credit Card | Imperio Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | Federal Bank |
| Network | Visa, Mastercard | Mastercard |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Lifetime Free, Shopping, Movies, Rewards, Young Users | Grocery, Healthcare, Lounge, Movies, Lifetime Free |
| Top reward categories | Other Retail Spends Up To ₹20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per INR 200 spent; Utility, Insurance, FASTag, And Railway Transactions: 1 Reward Point per INR 200 spent | Grocery Spends: 3 Reward Points / ₹100 spent; Healthcare Spends: 3 Reward Points / ₹100 spent; Utility Spends: 2 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 8 |
| International lounge | 0 | 0 |
| Forex markup | 0% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1429 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |