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faayda.com › compare › IndusInd Platinum vs IDFC FIRST Millennia
Comparison · हिन्दी

IndusInd Platinum vs IDFC FIRST Millennia

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

Last updated: August 2026 · Based on current card terms
INDUSIND
PLATINUM
ASHOK KUMAR
VS
IDFC FIRST
MILLENNIA
ASHOK KUMAR
Our verdict
IDFC FIRST Millennia Credit Card wins for most people
Card B wins with ₹2,400 annual benefit versus Card A's ₹1,920. The 3X points on online spends and bonus birthday rewards deliver superior value for your shopping and dining patterns.
Side-by-side comparison
IndusInd Platinum Credit Card IDFC FIRST Millennia Credit Card ✓
Annual benefit ₹1,920 ₹2,400
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 (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 → 1.5% cashback on all spends; 2X on weekend dining 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 → 2 visits/year (domestic) 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 Lifetime free with consistent 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 → 650+ 650+
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Apply now ↗ Full review →
When each card wins
IndusInd Platinum Credit Card
Choose Card A if you prefer straightforward cashback without tracking redemptions and want guaranteed returns on all purchases without category complexity.
IDFC FIRST Millennia Credit Card
Choose Card B if you shop and pay bills online frequently—3X points on online spends maximize rewards on your ₹5,000 monthly online transactions (shopping + utilities).
Who should get which card
Get IndusInd Platinum if you…
· Lifetime free with no conditions
· Simple 1.5% cashback on everything
· Extra rewards on weekend dining
· No redemption complexity
Get IDFC FIRST Millennia if you…
· ₹480 higher annual benefit
· 3X points reward online shopping
· Lifetime free with strong earning
· 10X bonus points on your birthday month
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.
IndusInd Platinum Credit Card has an annual fee of ₹0 (lifetime free). IDFC FIRST Millennia Credit Card has an annual fee of Lifetime free.
IndusInd Platinum Credit Card offers 1.5% cashback on all spends; 2X on weekend dining. IDFC FIRST Millennia Credit Card offers 3X reward points on online spends; 1X on offline; 10X on birthdays.
IndusInd Platinum Credit Card lounge access: 2 visits/year (domestic). IDFC FIRST Millennia Credit Card lounge access: 4 visits/year (domestic).
IndusInd Platinum Credit Card charges 3.5% forex markup. IDFC FIRST Millennia Credit Card charges 3.5% forex markup.