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Axis My Zone Credit Card VS IDFC FIRST Millennia Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both IDFC FIRST Millennia Credit Card and Axis My Zone Credit Card suit dining-focused spenders, but they earn and cost differently. IDFC FIRST Millennia Credit Card is lifetime-free and earns up to 10x points on dining, travel, international, birthday spends; 3x on others; 1x on utilities/insurance. Axis My Zone Credit Card costs ₹500 + GST and earns 4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20. IDFC FIRST Millennia Credit Card also brings 4 complimentary Railway Lounge access each quarter across India (spend ₹20,000/month to unlock), while Axis My Zone Credit Card counters with 1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months. If travel spending matters more, go with IDFC FIRST Millennia Credit Card; if movies is the priority, Axis My Zone Credit Card fits better.

Axis My Zone Credit Card
Axis My Zone Credit Card
IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining FeeLifetime Free
Renewal Fee₹500 + GST
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees3.5% of the transaction amount
Foreign Transaction Fees3.5% of the total transaction value.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum.

Rewards & Benefits

Welcome BonusComplimentary SonyLiv Premium annual subscription worth ₹1,499 after first transaction.
Welcome Bonuse-gift voucher worth ₹500 on spending ₹5,000+ within 30 days, plus 5% cashback up to ₹1,000 on first EMI.
Rewards Rate4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20.
Rewards RateUp to 10x points on dining, travel, international, birthday spends; 3x on others; 1x on utilities/insurance.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months.
Domestic Lounge Access4 complimentary Railway Lounge access each quarter across India (spend ₹20,000/month to unlock).
International Lounge Access
International Lounge Access
Travel Benefits1 complimentary domestic airport lounge access per quarter on meeting spend criteria.
Travel Benefits4 complimentary Railway Lounge access each quarter; 20% bonus points on hotel, 10% on flight bookings.
Movie BenefitsBOGO movie tickets via District app (up to ₹200/month) & complimentary SonyLiv Premium annual subscription.
Movie Benefits25% discount, up to ₹100, on movie tickets via District by Zomato app, once monthly.
Dining BenefitsFlat ₹120 off on Swiggy (twice/month) & 15% off via EazyDiner (up to ₹500/month).
Dining BenefitsUp to 20% discount at more than 1,500 leading restaurants across India.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹4,000, capped at ₹400/month. Applicable on UPI.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹200 and ₹5,000, up to ₹200 per month.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal Accidental Cover worth ₹2 Lakh; Lost Card Liability Cover of ₹25,000.
Cash Advance Charges2.5% of withdrawal amount, minimum ₹500.
Cash Advance Charges₹199 + GST per transaction. Interest-free cash withdrawals from ATMs for up to 45 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis My Zone Credit Card

IDFC FIRST Millennia Credit Card

Who is it for?

The Axis My Zone Credit Card is an entry-level offering by Axis Bank, designed for individuals who frequently spend on movies, shopping, and food. It stands out with a complimentary SonyLiv Premium annual subscription, attractive movie and dining offers, and complimentary domestic airport lounge access, all available for a nominal fee.

Who is it for?

The IDFC FIRST Millennia Credit Card is an entry-level, lifetime-free credit card for young individuals. It offers up to 10x non-expiring reward points on various spends, complimentary railway lounge access, and discounts on movies and dining. This card is a value-for-money option for everyday spending and domestic travel, making it ideal for young earners and trendsetters.

Pros

Key benefits and features.

Enjoy a complimentary SonyLiv Premium annual subscription, adding significant entertainment value.

Benefit from attractive Buy One Get One movie ticket offers, saving up to ₹2,400 annually.

Get substantial dining discounts on Swiggy and through EazyDiner, enhancing your food experiences.

Receive 1 complimentary domestic airport lounge access per quarter, making travel more comfortable.

The card has a low joining and annual fee, making it an accessible entry-level option.

Pros

Key benefits and features.

Lifetime free credit card with no joining or annual fees, offering great value.

Enjoy 4 complimentary railway lounge accesses each quarter, ideal for train travelers.

Reward points never expire, ensuring long-term value and flexibility in redemption.

Earn up to 10x reward points on dining, travel, international, and birthday spends.

Benefit from low interest rates starting at 8.5% per annum and interest-free cash withdrawals.

Cons

Key drawbacks and limitations.

Reward points are not earned on movie, fuel, wallet, insurance, education, and utility spends.

Domestic lounge access requires a minimum spend of ₹50,000 in the previous three months.

The general reward rate of 0.4% is relatively low compared to other credit cards.

High foreign currency markup of 3.5% makes international transactions expensive.

A rewards redemption fee of ₹99 + GST is charged for redeeming points.

Cons

Key drawbacks and limitations.

The card does not offer any domestic or international airport lounge access.

A reward redemption fee of ₹99 + GST is charged for every redemption.

A foreign currency markup of 3.5% applies to all international transactions.

Cash advance charges of ₹199 + GST are applicable per transaction.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis My Zone Credit Card(opens in new tab)Apply for IDFC FIRST Millennia Credit Card(opens in new tab)