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

Joining Fees

₹0

₹50,000

Editor's Rating

2.75

4

Key Features

  • 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
  • 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

Editor's Review

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

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 


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