Add more cards → Shortlist 2–4 cards
Millennia vs IDFC FIRST Select – Full comparison
Both cards verified with issuer
Millennia source IDFC FIRST Select sourceAnnual fee structure is a key difference
Key differences
Best forex IDFC FIRST Select 1.99%
Lowest fee IDFC FIRST Select ₹0
Best lounge IDFC FIRST Select 4/year lounge
Spend context
At ₹50k/month spend:
- Millennia: ~₹1,000/month at base rate
- IDFC FIRST Select: ~₹130/month at base rate
Approximate, based on base rates (before caps).
| Millennia HDFC | IDFC FIRST Select IDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits None vs 4/year | None | 4/year |
| Forex / International Use | ||
| Forex markup Values close; Millennia is better supported. 2% vs 1.99% | 2% | 1.99% |
| Fees | ||
| Annual fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Joining fee Only available for Millennia | ₹1,000 | Not clearly specified |
| Fee waiver spend Only available for Millennia | ₹1,00,000 | Not clearly specified |
| Rewards | ||
| Reward points (base spend) 3 pts/₹150 vs 1 pts/₹100 | 3 pts/₹150 | 1 pts/₹100 |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
- Millennia vs Tata Neu Infinity HDFC Bank HDFC vs HDFC
- Millennia vs MoneyBack Plus HDFC vs HDFC
- Millennia vs Swiggy HDFC Bank HDFC vs HDFC
- IDFC FIRST Select vs IDFC FIRST Millennia IDFC vs IDFC
- IDFC FIRST Select vs IDFC FIRST Private Reserve IDFC vs IDFC
- IDFC FIRST Select vs HPCL IDFC First Power+ IDFC vs IDFC
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.