IDFC FIRST Millennia Credit Card vs Axis Bank Burgundy Private Credit Card

• 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

• Avail 30,000 Welcome Edge Reward points on the first transaction
• Till payment due date, no cash withdrawal charges or interest levied 
• Complimentary EazyDiner Prime membership for savings up to 25% or more at fine dining restaurants
• Get unlimited lounge access at international airports for Priority Pass holders and add-on Priority Pass holders (12 visits for guests). Get unlimited lounge access at domestic airports for primary and add-on cardholders (12 visits for guests, per card)
• Complimentary hotel and dining memberships, including Club Marriott, Accor Plus, and Taj Epicure
• Diagnoses at leading medical institutions, and avail global travel and medical assistance during international travel

Pros

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

Cons

• No milestone benefits
• No Airport Lounge Access

Pros

• 15 EDGE REWARD points for every Rs. 200 spent on the card
• Concierge Services
• 50 complimentary rounds of Golf per year
• Complimentary ticket on every ticket purchased for 5 movies and 5 non-movie shows, per month, on BookMyShow

Cons

• High Joining and Annual Fees
• No fuel surcharge wavier