Yes Bank First Reserv Credit Card vs IDFC FIRST Millennia Credit Card

Joining Fees

₹1,999

₹0

Editor's Rating

3.9

2.75

Key Features

  • Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
  • Get up to 1.75% markup on foreign currency
  • For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
  • Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
  • Credit Shield cover of 15 Lakh
  • Lost Card liability 15 Lakh to 30 Lakh
  • 1% fuel surcharge waiver between Rs 400 and Rs 5000
  • Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
  • 3 complimentary domestic airport lounge visits per quarter
  • Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
  • Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
  • Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
  • Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
  • Avail 6 YES Rewardz Points on every Rs. 200 on select categories
  • Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
  • Instant EMI: Pay in parts for transactions as low as Rs. 1500
  • Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
  • Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
  • Contactless Transactions
  • 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

Editor's Review

Pros

  • For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
  • Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
  • Get up to 1.75% markup on foreign currency

Cons

  • No railway lounge access
  • No cashback offers
  • Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit

Pros

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

Cons

  • No milestone benefits
  • No Airport Lounge Access


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