IDFC FIRST Wealth Credit Card vs IDFC FIRST Millennia 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
• 4 Complimentary Domestic and International Airport lounge and spa visits every calendar quarter
• 4 complimentary Railway Lounge visits every calendar quarter
• Low foreign exchange mark-up fee of 1.5%
• 20% discount on 1500+ Restaurants
• 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399

• 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

Pros

• Lifetime free credit card
• Complimentary Airport and Railway lounge access
• Multi-faceted discounts are offered on movie tickets, travel, spas, wellness centers, etc.

Cons

• No milestone benefits
• Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
• Interest-free cash withdrawal available for 48 days only

Pros

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

Cons

• No milestone benefits
• No Airport Lounge Access