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AU Bank LIT vs IDFC FIRST Millennia

Both cards compared on real rupee returns for best customizable lifetime free credit card India AU LIT vs IDFC Millennia. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AU SMALL F
LIT
ASHOK KUMAR
VS
IDFC FIRST
MILLENNIA
ASHOK KUMAR
Our verdict
IDFC FIRST Millennia Credit Card wins for most people
Card B wins decisively with ₹3,120 annual benefits versus Card A's ₹300. Its 3X online rewards significantly outpace Card A's base 0.25% unless you pay for premium features.
Side-by-side comparison
AU Bank LIT Credit Card IDFC FIRST Millennia Credit Card ✓
Annual benefit ₹300 ₹3,120
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free (paid add-on features: ₹49–₹399 per 90 days) Lifetime free
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 1 reward point per ₹100 on all spends (0.25% base); up to 5% cashback with paid feature packs 3X reward points on online spends; 1X on offline; 10X on birthdays
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Available as paid add-on (₹399/90 days: 1 domestic visit/quarter) 4 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Customizable lifetime free card, choose and pay only for the features you need Lifetime free with online rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+ 650+
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When each card wins
AU Bank LIT Credit Card
Card A suits those willing to pay ₹49–₹399 quarterly for premium feature packs to unlock higher cashback rates, and who prefer customizable, modular rewards over fixed earning structures.
IDFC FIRST Millennia Credit Card
Card B excels for your shopping and dining profile, especially if you transact online frequently. The 3X multiplier on online spends maximizes rewards without any paid add-ons.
Who should get which card
Get AU Bank LIT if you…
· You want lifetime free with zero mandatory spending requirements
· You prefer flexibility to activate paid features only when needed
· You shop primarily offline and value simplicity
Get IDFC FIRST Millennia if you…
· You conduct most shopping and dining transactions online
· You want strong rewards without paying extra feature fees
· You seek maximum value from a truly free credit card
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Related guides
AU Bank LIT vs AU Bank Vetta →IDFC FIRST Millennia vs IDFC FIRST Select →Standard Chartered Platinum Rewards vs IDFC FIRST Millennia →IndusInd Platinum vs IDFC FIRST Millennia →Best Shopping Credit Cards →Best Cashback Credit Cards →Best Lifetime Free Credit Cards →
Frequently asked questions
Based on our analysis, IDFC FIRST Millennia Credit Card offers better annual returns for most spend profiles.
AU Bank LIT Credit Card has an annual fee of Lifetime free (paid add-on features: ₹49–₹399 per 90 days). IDFC FIRST Millennia Credit Card has an annual fee of Lifetime free.
AU Bank LIT Credit Card offers 1 reward point per ₹100 on all spends (0.25% base); up to 5% cashback with paid feature packs. IDFC FIRST Millennia Credit Card offers 3X reward points on online spends; 1X on offline; 10X on birthdays.
AU Bank LIT Credit Card lounge access: Available as paid add-on (₹399/90 days: 1 domestic visit/quarter). IDFC FIRST Millennia Credit Card lounge access: 4 visits/year (domestic).
AU Bank LIT Credit Card charges 3.5% forex markup. IDFC FIRST Millennia Credit Card charges 3.5% forex markup.