IDFC FIRST Millennia Credit Card vs Platinum Aura Visa and Mastercard Credit Card
Joining Fees
₹0
₹500
Editor's Rating
2.75
4
Key Features
- 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
- Book Your Favorite Restaurants on a Tap & Get Great Deals & Discounts
- Travel Insurance Cover
- ‘Total Protect’ safeguards your card from fraud
- Complimentary personal air accident insurance cover of up to Rs 25 lakh
Editor's Review
Pros
- Lifetime free credit card
- Complimentary Railway lounge access
- NIL Overlimit fees, NIL Addon charges
Cons
- No milestone benefits
- No Airport Lounge Access
Pros
- Enjoy a waiver of 1% on fuel surcharge at any petrol pump across India
- Exclusive access to 600+ lounges across the globe
Cons
- No golf/coaching sessions
