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Comparison · हिन्दी

Axis ACE vs IDFC FIRST Millennia

Both cards compared on real rupee returns for best everyday credit card India flat cashback vs lifetime free Axis vs IDFC. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AXIS
ACE
ASHOK KUMAR
VS
IDFC FIRST
MILLENNIA
ASHOK KUMAR
Our verdict
Axis ACE Credit Card wins for most people
Card A wins with ₹4,001 annual benefit versus Card B's ₹3,240, despite its ₹499 fee. The superior cashback rates on utilities, dining, and shopping make it the clear winner for this spend profile.
Side-by-side comparison
Axis ACE Credit Card ✓ IDFC FIRST Millennia Credit Card
Annual benefit ₹4,001 ₹3,240
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹2L annual spend) 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 → 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends 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 → 4 domestic visits/year (on ₹50,000/quarter spend) 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 Utility bill payments and everyday flat cashback Lifetime free with online rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 650+
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Apply now ↗ Full review →
When each card wins
Axis ACE Credit Card
Choose Card A if you pay utility bills regularly via Google Pay and frequent dining platforms like Swiggy or Zomato. The 5% utility cashback and 4% dining rewards justify the annual fee through higher returns.
IDFC FIRST Millennia Credit Card
Choose Card B if you prefer lifetime free membership without annual fee concerns and value simplicity. It works better for users who don't consistently meet high-spend thresholds across bonus categories.
Who should get which card
Get Axis ACE if you…
· 5% cashback on utility bills via Google Pay—highest category reward
· 4% on dining (Swiggy, Zomato) matches your ₹3,000 monthly spending
· Fee waiver achievable at ₹2L annual spend (your profile hits this)
Get IDFC FIRST Millennia if you…
· Lifetime free card—zero annual fee burden
· 3X points on online shopping and dining spending
· Birthday bonus rewards provide occasional value spikes
Partner offer
YES Bank ACE Credit Card
Everyday online shoppers wanting a low-fee, easily-waived entry card with a straightforward tiered reward structure
Apply now →
YES
ASHOK KUMAR

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Related guides
HDFC Millennia vs Axis ACE →Axis ACE vs SBI Cashback →IDFC FIRST Wealth vs Axis ACE →Airtel Axis Bank vs Axis ACE →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Axis ACE Credit Card offers better annual returns for most spend profiles.
Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend). IDFC FIRST Millennia Credit Card has an annual fee of Lifetime free.
Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends. IDFC FIRST Millennia Credit Card offers 3X reward points on online spends; 1X on offline; 10X on birthdays.
Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend). IDFC FIRST Millennia Credit Card lounge access: 4 visits/year (domestic).
Axis ACE Credit Card charges 3.5% forex markup. IDFC FIRST Millennia Credit Card charges 3.5% forex markup.