Head-to-head · 🇮🇳 India
HDFC Millennia vs IDFC FIRST Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 4 of 10
IN
IDFC FIRST Bank
IDFC FIRST Select
VISA
Wins 4 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Millennia | IDFC FIRST Select |
|---|---|---|
| Annual fee | · ₹1,000 | No annual fee |
| Joining fee | · ₹1,000 | None |
| Top reward rate | 5% (shopping) | · 3% (general) |
| Base reward rate | · 1% | 3% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = ₹500 gift voucher on ₹5,000 spend within 30 days of card generation |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | ₹420,000 | · ₹1,200,000 |
| Min credit score | = 750 | = 750 |
| Editorial rating | 4.6/5 | · 4.5/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
IDFC FIRST Select
- 10X reward points on dining and travel
- 3X reward points on other eligible spends
- Lifetime free, no annual fee, ever
- 1 domestic airport lounge visit per quarter, unlocked by ₹20,000 spend in the previous calendar month (no international lounge access)
- Zero forex markup on international transactions
- 1% fuel surcharge waiver
FAQ
›HDFC Millennia vs IDFC FIRST Select: which is better?
It's a true tie, pick the one whose boost categories match your spend. HDFC Millennia wins on 4 criteria, IDFC FIRST Select on 4.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, IDFC FIRST Select for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. IDFC FIRST Select: ₹500 gift voucher on ₹5,000 spend within 30 days of card generation.