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Comparison · हिन्दी

IDFC FIRST Millennia vs IDFC FIRST Select

Both cards compared on real rupee returns for IDFC FIRST lifetime free card comparison. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
IDFC FIRST
MILLENNIA
ASHOK KUMAR
VS
IDFC FIRST
SELECT
ASHOK KUMAR
Our verdict
IDFC FIRST Millennia Credit Card wins for most people
Card A edges out Card B by a razor-thin margin with identical ₹1,245 annual benefits. Both lifetime-free cards deliver nearly equal value, making either choice solid for this spend profile.
Side-by-side comparison
IDFC FIRST Millennia Credit Card ✓ IDFC FIRST Select Credit Card
Annual benefit ₹1,245 ₹1,245
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free 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 → 10X reward points (about 1.25%) on dining, travel, international and birthday spends; 3X (about 0.375%) on other eligible spends; 1X (about 0.125%) on utility bills, insurance, railways and FASTag; 1X = 1 point per ₹200 and 1 point = ₹0.25; no points on fuel, EMIs or cash withdrawals 10X points (1.25%) on dining, travel and international spends; 3X (0.375%) on all other eligible spends; 1X (0.125%) on utility, insurance, FASTag
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 visits/year (domestic) 1 domestic visit/quarter (on ₹20,000/month spend); 4 railway lounge visits/quarter
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% 1.99%
Best for Lifetime free card with a higher rate on dining and travel Lifetime free card with dining, travel rewards and low forex markup
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹12L/year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+ 700+
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When each card wins
IDFC FIRST Millennia Credit Card
Choose Card A if you value slightly better rewards on birthday spends or prefer IDFC's Millennia product ecosystem. The marginal advantage appears in specific bonus categories beyond standard dining and travel.
IDFC FIRST Select Credit Card
Card B suits you if you prioritize a cleaner rewards structure focused purely on dining and travel without birthday bonuses. Both cards perform identically for most spenders, so choose based on ancillary benefits or personal preference.
Who should get which card
Get IDFC FIRST Millennia if you…
· Lifetime free with no hidden costs
· 10X rewards on dining, travel, and birthday spends
· Ideal for lifestyle spenders with occasional travel
Get IDFC FIRST Select if you…
· Lifetime free with streamlined rewards
· Strong 10X points on dining and travel categories
· Better for focused spenders on core categories
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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Frequently asked questions
Based on our analysis, IDFC FIRST Millennia Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Millennia Credit Card has an annual fee of Lifetime free. IDFC FIRST Select Credit Card has an annual fee of Lifetime free.
IDFC FIRST Millennia Credit Card offers 10X reward points (about 1.25%) on dining, travel, international and birthday spends; 3X (about 0.375%) on other eligible spends; 1X (about 0.125%) on utility bills, insurance, railways and FASTag; 1X = 1 point per ₹200 and 1 point = ₹0.25; no points on fuel, EMIs or cash withdrawals. IDFC FIRST Select Credit Card offers 10X points (1.25%) on dining, travel and international spends; 3X (0.375%) on all other eligible spends; 1X (0.125%) on utility, insurance, FASTag.
IDFC FIRST Millennia Credit Card lounge access: 4 visits/year (domestic). IDFC FIRST Select Credit Card lounge access: 1 domestic visit/quarter (on ₹20,000/month spend); 4 railway lounge visits/quarter.
IDFC FIRST Millennia Credit Card charges 3.5% forex markup. IDFC FIRST Select Credit Card charges 1.99% forex markup.