ICICI Bank Platinum Chip Credit Card vs IDFC FIRST Millennia Credit Card
Joining Fees
₹0
₹0
Editor's Rating
3.07
2.75
Key Features
- Avail 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel. Redeem the points to avail attractive products on ICICI Bank Rewards platform
- Avail 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
- Redeeming ICICI Bank Rewards Points is easy and it allows you to indulge in the finer things life has to offer. From movie and travel vouchers to lifestyle products, ICICI Bank Reward Points offer a diverse range of options for redemption
- 1% fuel surcharge waiver on fuel transactions of maximum Rs. 4,000 at HPCL pumps
- Visa Offers: Enjoy great offers from luxury hotels, restaurants, lifestyle stores, spas. Moreover, when traveling abroad, use the dedicated Global Emergency Assistance Service provided by Visa for reporting loss of card, emergency card replacement, emergency cash advance or for other enquiries that you may have
- Mastercard Offers: Mastercard Priceless Specials is an exclusive program specially created for Mastercard cardholders. This program has a host of exceptional experiences designed to inspire and enrich the lives of the Mastercard cardholders
- 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
- Avail 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel, and 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
- 1% fuel surcharge waiver on fuel transactions
- Visa Offers: Enjoy great offers from luxury hotels, restaurants, lifestyle stores, spas
- Mastercard Offers: Mastercard Priceless Specials is an exclusive program that has a host of exceptional experiences designed to inspire and enrich the lives of the Mastercard cardholders
Cons
- No International Airport Lounge access
- No Golf benefits
- No travel miles benefits
Pros
- Lifetime free credit card
- Complimentary Railway lounge access
- NIL Overlimit fees, NIL Addon charges
Cons
- No milestone benefits
- No Airport Lounge Access
