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IDFC FIRST Millennia Credit Card VS AU Bank LIT 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
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card
AU Bank LIT Credit Card
AU Bank LIT Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNot applicable as the card is lifetime free.
Spend Based WaiverNot applicable as the card is Lifetime Free.
Foreign Transaction Fees3.5% of the total transaction value.
Foreign Transaction Fees3.49%
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum.
Interest Rate (APR)3.75% Per Month (45% Per Annum)

Rewards & Benefits

Welcome Bonuse-gift voucher worth ₹500 on spending ₹5,000+ within 30 days, plus 5% cashback up to ₹1,000 on first EMI.
Welcome Bonus
Rewards RateUp to 10x points on dining, travel, international, birthday spends; 3x on others; 1x on utilities/insurance.
Rewards Rate1 Reward Point for every ₹100 spent on retail transactions. Paid features offer 5x/10x points.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99 + GST per redemption.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access4 complimentary Railway Lounge access each quarter across India (spend ₹20,000/month to unlock).
Domestic Lounge Access1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days).
International Lounge Access
International Lounge Access
Travel Benefits4 complimentary Railway Lounge access each quarter; 20% bonus points on hotel, 10% on flight bookings.
Travel BenefitsRedeem points for flights, hotels, buses. Paid domestic lounge access.
Movie Benefits25% discount, up to ₹100, on movie tickets via District by Zomato app, once monthly.
Movie BenefitsRedeem points for movie tickets. Paid 3 Months Zee5 Membership.
Dining BenefitsUp to 20% discount at more than 1,500 leading restaurants across India.
Dining Benefits
Golf Benefits
Golf BenefitsBook Golf sessions at golf courses across India (via redemption).
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹200 and ₹5,000, up to ₹200 per month.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹5,000 (paid feature, ₹49 for 90 days).

Security & Other

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

IDFC FIRST Millennia Credit Card

AU Bank LIT Credit Card

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.

Who is it for?

The AU Bank LIT Credit Card is India's first customizable credit card, offering unparalleled flexibility to choose and pay for specific features like accelerated rewards, cashback, and memberships. It's a Lifetime Free card, eliminating annual fees and allowing users to tailor their benefits via the AU 0101 App. Ideal for individuals who seek control over their credit card experience and prefer not to pay for unused perks, it covers a wide range of lifestyle and spending needs.

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.

Pros

Key benefits and features.

Highly customizable, allowing users to select and pay for desired features.

Lifetime Free status eliminates annual fees, saving costs on unused benefits.

Offers diverse paid features like accelerated rewards, cashback, and memberships.

Flexibility to activate/deactivate benefits via the AU 0101 App as per need.

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.

Cons

Key drawbacks and limitations.

Users must pay for most premium benefits, increasing overall cost if many are chosen.

Requires active management via app to select/deactivate features and avoid auto-renewal.

Penalty fees apply for not meeting spend targets for certain paid memberships.

Unused lounge access and other paid features expire, cannot be carried forward.

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 Millennia Credit Card(opens in new tab)Apply for AU Bank LIT Credit Card(opens in new tab)