AU Small Finance Bank Vetta Credit Card vs IDFC FIRST Millennia Credit Card

Joining Fees

₹2,999

₹0

Editor's Rating

3.3

2.75

Key Features

* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Benefits: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Benefits: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

  • Get 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on the cardholder’s birthday
  • Get 3X  Reward Points on applicable online and offline purchases for spends up to Rs. 20,000 per month
  • Use the Reward points to instantly pay for online or in-store purchases
  • Get 1X Reward Points on Insurance premium payments and Utility bill payments
  • Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
  • Get 4 complimentary Railway lounge visits per quarter
  • Avail complimentary Roadside Assistance worth Rs. 1,399
  • Fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200/month. This is applicable only on transactions between Rs. 200 & Rs. 5000
  • Enjoy 300+ Merchant offers all year long
  • Up to 20% discount at 1500+ restaurants 
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • Convert all transactions above Rs. 2,500 into easy and convenient EMIs from the mobile app
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Enjoy convenient transfer of balances from other bank credit cards with IDFC First Bank’s balance transfer privilege

Editor's Review

Pros
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you

Cons
* No golf privileges
* No Airmiles

Pros

  • Lifetime free credit card
  • Complimentary Railway lounge access
  • NIL Overlimit fees, NIL Addon charges

Cons

  • No milestone benefits
  • No Airport Lounge Access


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