IDFC Club Vistara Credit Card vs IDFC FIRST Millennia Credit Card

Complimentary Club Vistara Silver Membership:
• Priority airport check in
• Increased Check-In Baggage allowance within and outside India
• Priority Waitlist Clearance & Complimentary In flight Wi-fi

Power Up Your Spends:
• Earn up to 6 CV Points on all spends including Utility bill payments, Insurance, Fuel, Rent & Wallet Load
A. 6 CV Points: Spends up to Rs. 1 lakh
B. 4 CV Points: Spends above Rs. 1 lakh
C. 10 CV Points: On dining spends on cardholder’s birthday
D. 1 CV Point: On every Fuel, Insurance, Utility, Rent & Wallet Load spend

Bonus CV Points:
• Get up to 6000 bonus CV Points on crossing monthly spend milestones in the first 3 months
A. Earn up to 6000 CV points by spending minimum Rs.30,000/- every month for 3 applicable billing cycles

Spend Milestone Benefits:
• Unlock up to 5 Premium Economy Ticket Vouchers every anniversary year

Airport Lounge Access:
• Enjoy 8 complimentary visits to domestic airport lounges and spas along with 4 complimentary visits to international airport lounges yearly
A.  2 complimentary visits to domestic airport lounges and spas per quarter
B. 1 complimentary visit to international airport lounge per quarter

* Competitive forex mark-up of just 2.99% on international transactions

* Fuel Surcharge of 1%

• Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
• 5% cashback on making the first EMI transaction made within 90 days of card set-up
• Avail 10X Reward Points on all transactions above Rs. 20,000
• Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
• Once a month, get a 25% discount on movie tickets up to Rs. 100
• Personal Accident Cover of Rs. 2 Lakh
• Avail 20% discount on 1500+ Restaurants and 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399
• 1% Fuel surcharge waiver at any fuel stations in India up to Rs. 200 every month
• 10X Rewards on all spends done on your Birthday

Pros

* Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year, and  50% Off on the green fee beyond complimentary sessions
* Get trip cancellation cover up to Rs. 10,000 on flight and hotel booking (2 claims annually)
* Air Accident Cover of Rs. 1 crore, Personal Accident Cover of Rs 10,00,000 and Lost Card Liability Cover of Rs. 50,000, and Additional Coverage for loss of checked-in baggage, delay of checked-in baggage, loss of passport & other documents, and flight delay of USD 1200

Cons
* For some individuals, the membership fees might seem high
* The reward redemption charge is Rs. 99

Pros

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

Cons

• No milestone benefits
• Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
• No Airport Lounge Access