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IDFC FIRST Millennia vs IndianOil RBL Bank XTRA – Full comparison
Both cards verified with issuer
IDFC FIRST Millennia source IndianOil RBL Bank XTRA sourceAnnual fee structure is a key difference
Key differences
Lowest fee IDFC FIRST Millennia ₹0
Best lounge IDFC FIRST Millennia 4/year lounge
Spend context
At ₹50k/month spend:
- IDFC FIRST Millennia: ~₹250/month at base rate
- IndianOil RBL Bank XTRA: ~₹130/month at base rate
Approximate, based on base rates (before caps).
| IDFC FIRST Millennia IDFC | IndianOil RBL Bank XTRA RBL | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 4/year vs None | 4/year | None |
| Forex / International Use | ||
| Forex markup No difference | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹0 vs ₹500 | ₹0 | ₹500 |
| Joining fee ₹0 vs ₹500 | ₹0 | ₹500 |
| Rewards | ||
| Reward points (base spend) 3 pts/₹150 vs 1 pts/₹100 | 3 pts/₹150 | 1 pts/₹100 |
| Point cash value No difference | ₹0.25 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
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- IDFC FIRST Millennia vs IDFC FIRST Select IDFC vs IDFC
- IDFC FIRST Millennia vs HPCL IDFC First Power+ IDFC vs IDFC
- IndianOil RBL Bank XTRA vs RBL Bank World Safari RBL vs RBL
- IndianOil RBL Bank XTRA vs Airtel Axis Bank RBL vs AXIS
- IndianOil RBL Bank XTRA vs Coral RBL vs ICICI
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.