Compare : IDFC FIRST Millennia Credit Card vs IDFC FIRST Select Credit Card

Rs. 500 welcome voucher on spending Rs. 5,000 within the first 30 days

5% cashback up to Rs. 1,000 on the first EMI done within the first 30 days

Rs. 500 gift voucher from Amazon, Bigbasket, Uber or Lifestyle on spending Rs. 5,000 within 30 days of card generation

5% cashback, up to Rs. 1,000, on the 1st EMI transaction within 30 days card generation

20% bonus rewards on hotels and 10% on flight bookings on ‘Travel & Shop’ on IDFC FIRST app

10X reward points on dining, travel and international spends

1X Reward Point: 1 reward point per Rs. 200 spent on all utility, insurance bill payments, railway & FASTag recharges

1 Reward point = Rs. 0.25

20% bonus reward points​ on hotel and 10% on flight bookings made on ‘FIRST Rewards Gallery’ section on IDFC FIRST Bank App

10 reward points per Rs. 200 spent on dining, travel, international and birthday purchases

3 reward points per Rs. 200 spent on other categories

1 reward point per Rs. 200 spent on utility bill, insurance premium, railway and FASTag recharge payments

1 Reward Point = Rs. 0.25

NA

1 complimentary domestic lounge access per quarter on spending Rs. 20,000 in the previous month; 4 complimentary railway lounge access per quarter on spending Rs. 20,000 in the previous month

Lifetime-free credit card

Joining benefits worth up to Rs. 1,500 despite not charging any card fee

Movie discount every month with savings of up to Rs. 1,200 in a year

Up to 16 complimentary railway lounge visits per year

Interest-free ATM cash withdrawals for up to 45 days

Lifetime-free credit card with up to Rs. 1,500 worth of joining benefits

Uncapped reward points with higher savings on travel and dining spends

Low forex markup fee of 1.99%

Rewards on utility bill and insurance payments

Low reward redemption value of Rs. 0.25 per point

No complimentary airport lounge access

Low reward redemption value at 1 RP = Rs. 0.25

Spend-based condition on lounge access and movie discount

Beginners who do not travel much, can make use of dining, movie & other merchant discounts, and wish to earn rewards on their spends

Those who are looking for a lifetime-free card with decent reward program and lifestyle-related offers on travel, movies and dining