IDFC FIRST Millennia Credit Card vs AXIS Bank IOCL Rupay Credit Card

• 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

*As a welcome benefit, get 100% Cashback up to Rs 250 on all fuel transactions in the first 30 days of issuing of the card

* Waiver of 1% fuel surcharge on fuel spends between Rs. 200 to Rs. 5000

* Get 10% instant discount for movie tickets booked through BookMyShow website or app

* An annual fee waiver applicable if the cardholder spends over Rs. 50,000 in a year

* Users can get loyalty points in the form of 1 EDGE REWARD point on every Rs. 100 spent with the card

* Domestic airport lounge access

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

* Earn 20 Reward Points per Rs 100 spent at any IOCL outlet in India

* Get 10% instant discount for movie tickets booked through BookMyShow website or app

* Gain reward points worth 1% (5 Reward Points) for every Rs. 100 spent on online shopping, groceries, utility payments, and 1 reward point for every Rs. 100 spent on all other expenses

Cons

* No International Airport Lounge access

* No Golf benefits

* No travel miles benefits