IDFC Millennia Vs Classic Vs Select Vs Wealth Credit Card Compared
IDFC First Bank has finally introduced 4 new Credit Cards in 2021:
- IDFC Millennia Credit Card.
- IDFC Classic Credit Card.
- IDFC Select Credit Card.
- IDFC Wealth Credit Card.
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.
Apply for IDFC First Credit CardBy 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.
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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.
Particulars | IDFC First Millennia Credit Card | IDFC First Classic Credit Card | IDFC First Select Credit Card | IDFC First Wealth Credit Card |
---|---|---|---|---|
Lifetime Free | Yes | Yes | Yes | Yes |
Payment Processor | VISA | VISA | VISA | VISA |
VISA Variant | VISA Classic | VISA Platinum | VISA Signature | VISA Infinite |
Reward Points | Same | Same | Same | Same |
Joining Benefits | Same | Same | Same | Same |
Interest Rate | Same | Same | Same | Same |
IDFC Credit Cards Privileges Compared:
Particulars | IDFC First Millennia Credit Card | IDFC First Classic Credit Card | IDFC First Select Credit Card | IDFC First Wealth Credit Card |
---|---|---|---|---|
Movie Tickets Offer | 25% off up to ₹100, once a month | 25% off up to ₹100, once a month | Buy 1 Get 1, up to ₹250, twice per month | Buy 1 Get 1, up to ₹500, twice per month |
Restaurants Offer | Up to 20% off across 1500+ Restaurants | Up to 20% off across 1500+ Restaurants | Up to 20% off across 1500+ Restaurants | Up to 20% off across 1500+ Restaurants |
Health & Wellness Offer | Up to 15% off across 3000+ Outlets | Up to 15% off across 3000+ Outlets | Up to 15% off across 3000+ Outlets | Up to 15% off across 3000+ Outlets |
Personal Accident Cover | 2 Lakhs | 2 Lakhs | 5 Lakhs | 10 Lakhs |
Complimentary Lost Card Liability Cover | ₹25000 | ₹25000 | ₹50000 | ₹50000 |
Free Roadside Assistance (RSA) | No | Yes | Yes | Yes |
Complimentary Lounge Access (4 per quarter) | Railway | Railway | Domestic Airport & Railway | Domestic & International Airport, Spa Visits |
Fuel Surcharge Waiver | Up to ₹200 | Up to ₹200 | Up to ₹300 | Up to ₹400 |
Complimentary Travel Insurance | No | No | Yes | Yes |
Complimentary Golf Rounds | No | No | No | Yes |
Air Accident Cover | No | No | No | Yes |
IDFC Credit Cards Charges Compared:
Particulars | IDFC 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 Rate | 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) | 0.75% – 2.99% per month (9% – 35.88% per year) |
Late Payment Fees | 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. | 15% of Total Amount Due (Min ₹100 – Max ₹1000); Nil if Bill < ₹100. |
Forex Markup Fee | 3.5% | 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.
Tags: IDFC

Nirmal Sarkar is a Biotechnologist 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. You can get in touch with him via nirmal@hitricks.com
Nice comparison Nirmal. This kind of comparison should be ideal better understanding.
I Would like to Know is Bajaj Finserv World Prime card worth taking or not? due to annual renewal fees?
I am not able to see full Benefits anywhere else as explained.
Could you please do that?
Thank You Nirmal
Compare golf benefits in IDFC wealth and metal card Please
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?
Hey Dilip. You may use Classic for some time and then ask for an upgrade to SELECT. 🙂