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

Welcome vouchers worth Rs. 500 on spending Rs. 5,000 or more within the first 30 days

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

10X reward points on birthday spends & spends made after reaching Rs. 20,000 monthly spends

3X reward points on online & offline purchases for up to Rs. 20,000 monthly spends

Unlimited reward points that never expire

Reward points can be used to instantly pay for purchases

1 Reward point = Rs. 0.25

10X reward points on birthday spends & spends made after reaching the monthly spends of Rs. 20,000

3X reward points on online & offline spends for spends up to Rs. 20,000 per month

1X reward points on utility, insurance and other spends

1X = 1 Reward Point per Rs. 150 spent

1 Reward Point = Rs. 0.25

NA

2 domestic airport lounge access per quarter on minimum monthly spends of Rs. 20,000

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

Accelerated reward points without any category restrictions

Low forex markup fee of 1.99%

Complimentary airport and railway lounge access

Accelerated rewards on birthdays

Rewards on utility bill payments and wallet reloads

Monthly spend-based condition on 10X rewards

Low reward rate and redemption value

Low reward redemption value at 1 RP = Rs. 0.25

No lounge access benefits

Low reward rate, specially for cumulative spends below Rs. 20,000

Limited redemption options

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 movies, dining and domestic travel