IDFC First Wealth Credit Card vs HDFC Bank Millennia Credit Card
Side-by-side comparison of fees, rewards, and benefits
IDFC First Bank
IDFC First Wealth Credit Card
IDFC First Bank · Visa · Signature
HDFC Bank
HDFC Bank Millennia Credit Card
HDFC Bank · Visa · Classic
Metric
IDFC First Bank
HDFC Bank
Annual Fee
Free
₹1,000
Joining Fee
Free
₹1,000
Effective Reward Rate
0.8%
5.0%
Forex Markup
3.5%
3.5%
Avg Annual Value
₹35,000
₹15,000
Annual Net Value
₹35,000
₹13,820
IDFC First Wealth Credit Card — Key Benefits
- ✓ Domestic Lounge Access
- ✓ 6X Rewards on Online Spends
- ✓ 3X Rewards on Offline Spends
- ✓ Lifetime Free Card
- ✓ Fuel Surcharge Waiver
HDFC Bank Millennia Credit Card — Key Benefits
- ✓ 5% Cashback on Online Platforms
- ✓ 1% Cashback on All Other Spends
- ✓ Fuel Surcharge Waiver
- ✓ Swiggy Dineout Discount