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IDFC FIRST Classic 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 IDFC FIRST Classic Credit Card suit travel-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. IDFC FIRST Classic Credit Card is lifetime-free and earns 10X Reward Points on Dining, Travel, International, Birthday spends; 3X on others. IDFC FIRST Millennia Credit Card also brings 4 complimentary Railway Lounge access each quarter across India (spend ₹20,000/month to unlock), while IDFC FIRST Classic Credit Card counters with 4 complimentary railway lounge accesses every quarter (spend condition applies). Weigh the fee against the reward rate above to see which fits your spending pattern better.

IDFC FIRST Classic Credit Card
IDFC FIRST Classic Credit Card
IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees3.5% of the total transaction value.
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum, depending on credit profile.
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum.

Rewards & Benefits

Welcome BonusUp to ₹1,500 in welcome benefits (₹500 gift voucher + 5% cashback on first EMI).
Welcome Bonuse-gift voucher worth ₹500 on spending ₹5,000+ within 30 days, plus 5% cashback up to ₹1,000 on first EMI.
Rewards Rate10X Reward Points on Dining, Travel, International, Birthday spends; 3X on others.
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 per redemption.
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access4 complimentary railway lounge accesses every quarter (spend condition applies).
Domestic Lounge Access4 complimentary Railway Lounge access each quarter across India (spend ₹20,000/month to unlock).
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary roadside assistance, zero convenience fees on flight bookings via app.
Travel Benefits4 complimentary Railway Lounge access each quarter; 20% bonus points on hotel, 10% on flight bookings.
Movie Benefits25% discount on movie tickets (up to ₹100) on the District app once per month.
Movie Benefits25% discount, up to ₹100, on movie tickets via District by Zomato app, once monthly.
Dining BenefitsUp to 20% discount at over 1500+ restaurants.
Dining BenefitsUp to 20% discount at more than 1,500 leading restaurants across India.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver (up to ₹200/cycle) on transactions between ₹200 and ₹5,000.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹200 and ₹5,000, up to ₹200 per month.

Security & Other

Insurance Benefits₹2 Lakhs personal accident cover & ₹25,000 lost card liability cover.
Insurance BenefitsPersonal Accidental Cover worth ₹2 Lakh; Lost Card Liability Cover of ₹25,000.
Cash Advance Charges₹199 + GST per transaction; interest-free for up to 45 days.
Cash Advance Charges₹199 + GST per transaction. Interest-free cash withdrawals from ATMs for up to 45 days.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC FIRST Classic Credit Card

IDFC FIRST Millennia Credit Card

Who is it for?

The IDFC FIRST Classic Credit Card is a lifetime-free card offering robust privileges across lifestyle, travel, dining, and digital transactions. It provides up to ₹1,500 in welcome benefits, including a gift voucher and cashback on the first EMI. Cardholders earn up to 10X Reward Points on specific categories and enjoy complimentary railway lounge access, movie discounts, and comprehensive insurance. This card is ideal for individuals seeking a rewarding entry-level option without annual fees.

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.

Lifetime Free: No joining or annual fees, ensuring cost-free ownership.

Attractive welcome benefits up to ₹1,500 including gift voucher and cashback.

Earn up to 10X Reward Points on dining, travel, international, and birthday spends.

Enjoy 4 complimentary railway lounge accesses, roadside assistance, and zero flight booking fees.

Monthly movie discounts and up to 20% off at over 1500+ partner restaurants.

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.

Railway lounge access requires a minimum spend of ₹20,000 in the prior month.

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

A 3.5% foreign currency markup fee is applicable.

The card does not offer complimentary airport lounge access.

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 IDFC FIRST Classic Credit Card(opens in new tab)Apply for IDFC FIRST Millennia Credit Card(opens in new tab)