IDFC Millennia Vs Classic Vs Select Vs Wealth Credit Card Compared

IDFC First Bank has finally introduced 4 new Credit Cards in 2021:

All 4 cards are offered as Lifetime Free Credit Cards, and all of them will be VISA variant cards of different tiers. I have already written detailed posts for each of the credit cards. Click on the respective links to know more about each card, its features and benefits, charges, eligibility criteria, and how you can apply for these cards.

By the way, IDFC First Bank has launched OneCard Metal Credit Card in partnership with FPL Technologies earlier, which is also offered as a Lifetime Free card, and currently the cheapest fully Metal Card that anyone can own.

While these new credit cards seem very lucrative to own, especially as they have no annual membership fees involved, there’s a bigger confusion at play: How to choose which card to apply for?

Remember, credit cards are given on the basis of your CIBIL Score or credit scores from other credit bureaus. Make sure to pay your credit card bills on time so that you don’t incur excess charges. CRED is one of the fastest apps for credit card bill payments.

If you take a look at the rewards scheme, all 4 cards have the same reward point ratio, with no monthly caps. So, no matter which IDFC credit card you use, you are going to earn the same reward points on the basis of your monthly spending.

So, what’s the difference?

Well, no matter how similar these new IDFC credit cards appear, there are minor differences outside of the reward points. In today’s post, we are going to compare the 4 credit cards side-by-side and let you be the judge and choose yourself.

Note: This page is perfect for a desktop viewing experience. The side-by-side comparison tables may not load perfectly on a mobile browser. Kindly switch to desktop view to access it in a better way.


Before we begin, let me invite you to our Finance Discussion Community on Facebook: FinTalks. Here we share our experiences and discuss queries related to banking, debit cards, and credit cards, mutual funds, stock markets, and more. We started in September 2020, and at the time of writing this post in January 2021, we have over 4k members. A lot of offers and discounts related to credit cards are also discussed here. Click Here to Join FinTalks.


IDFC Credit Cards Compared:

For the parameters mentioned as ‘same,’ you can visit any of the IDFC Credit Card posts and check the details from there. It will be the same across all the card variants.

ParticularsIDFC First
Millennia Credit Card
IDFC First
Classic Credit Card
IDFC First
Select Credit Card
IDFC First
Wealth Credit Card
Lifetime FreeYesYesYesYes
Payment ProcessorVISAVISAVISAVISA
VISA VariantVISA ClassicVISA PlatinumVISA SignatureVISA Infinite
Reward PointsSameSameSameSame
Joining BenefitsSameSameSameSame
Interest RateSameSameSameSame

IDFC Credit Cards Privileges Compared:

ParticularsIDFC First
Millennia Credit Card
IDFC First
Classic Credit Card
IDFC First
Select Credit Card
IDFC First
Wealth Credit Card
Movie Tickets Offer25% off up to ₹100, once a month25% off up to ₹100, once a monthBuy 1 Get 1, up to ₹250, twice per monthBuy 1 Get 1, up to ₹500, twice per month
Restaurants OfferUp to 20% off across 1500+ RestaurantsUp to 20% off across 1500+ RestaurantsUp to 20% off across 1500+ RestaurantsUp to 20% off across 1500+ Restaurants
Health & Wellness OfferUp to 15% off across 3000+ OutletsUp to 15% off across 3000+ OutletsUp to 15% off across 3000+ OutletsUp to 15% off across 3000+ Outlets
Personal Accident Cover2 Lakhs2 Lakhs5 Lakhs10 Lakhs
Complimentary Lost Card Liability Cover₹25000₹25000₹50000₹50000
Free Roadside Assistance (RSA)NoYesYesYes
Complimentary Lounge Access
(4 per quarter)
RailwayRailwayDomestic Airport & RailwayDomestic & International Airport, Spa Visits
Fuel Surcharge WaiverUp to ₹200Up to ₹200Up to ₹300Up to ₹400
Complimentary Travel InsuranceNoNoYesYes
Complimentary Golf RoundsNoNoNoYes
Air Accident CoverNoNoNoYes

IDFC Credit Cards Charges Compared:

ParticularsIDFC First
Millennia Credit Card
IDFC First
Classic Credit Card
IDFC First
Select Credit Card
IDFC First
Wealth Credit Card
Annual Membership Fees₹0₹0₹0₹0
Overlimit Fees₹0₹0₹0₹0
Add-on Card Charges₹0₹0₹0₹0
Credit Card Interest Rate0.75% – 2.99%
per month
(9% – 35.88%
per year)
0.75% – 2.99%
per month
(9% – 35.88%
per year)
0.75% – 2.99%
per month
(9% – 35.88%
per year)
0.75% – 2.99%
per month
(9% – 35.88%
per year)
Late Payment Fees15% of Total
Amount Due
(Min ₹100 – Max ₹1000);
Nil if Bill < ₹100.
15% of Total
Amount Due
(Min ₹100 – Max ₹1000);
Nil if Bill < ₹100.
15% of Total
Amount Due
(Min ₹100 – Max ₹1000);
Nil if Bill < ₹100.
15% of Total
Amount Due
(Min ₹100 – Max ₹1000);
Nil if Bill < ₹100.
Forex Markup Fee3.5%3.5%1.99%1.5%
Cash Advance Fee
(International & Domestic)
₹250₹250₹250₹250

Last Words:

That’s all folks. I have tried to compare all the latest IDFC Bank Credit Cards side-by-side. This includes the IDFC Millennia, Classic, Select, and Wealth Credit Card. If you want to know more about each card or read the fine prints, and detailed terms and conditions, just visit the respective links. You can also apply for the cards from there.

Thank you for reading. I guess this post has solved most of your queries. If you are still stuck, just drop me a comment below, and I will be happy to help out. Do share this post with your friends and let them know about these new credit cards. As all the cards are Lifetime Free Credit Cards you won’t be charged anything extra.

By the way, don’t forget to join our Finance Community FinTalks to stay updated with the latest trends in Financial World. And join our Telegram Channel to get the latest updates. I will be back soon with another interesting article. Keep visiting HiTricks.

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Nirmal Sarkar is an M.Tech Engineering Student from the city of Joy, Kolkata. He is the founder of this blog and covers a wide range of topics from Gadgets to Software to Latest Offers. He is also active on the Blogosphere community on Facebook. You can get in touch with him via nirmal@hitricks.com

3 Comments
  1. Thank You Nirmal

  2. I’ve been offered a classic card with credit limit of Rs112000. After reading your comparison, I wish to return CLASSIC & get SELECT. Is it possible?

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