HDFC Millennia vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
HDFC Millennia
HDFC Bank
Mid-RangeVS
Winner
IDFC FIRST Select
IDFC FIRST Bank
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹1K vs FREE
Effective Rate
(cash value)
1.0% vs 0.8%
Lounge Access
8/year vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | HDFC Millennia | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | FREE |
| Annual Fee | ₹1K | FREE |
| Fee Waiver | Spend ₹1L annually | None |
| Forex Markup | 3.5% | 1.99% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 0.75% |
Lounge Access | ||
| Domestic Lounges | 8/year | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹12.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
IDFC FIRST Select wins!
Score: 34vsScore: 41
