Which card has a lower forex fee: ixigo AU Credit Card or IDFC FIRST Millennia Credit Card?

ixigo AU Credit Card has lower forex markup (0% vs 3.5%).

Which card has a lower annual fee: ixigo AU Credit Card or IDFC FIRST Millennia Credit Card?

Both cards have the same annual fee (No joining or annual fee currently listed).

Which card offers better lounge access?

ixigo AU Credit Card: 2 per quarter domestic + 1 per year international. IDFC FIRST Millennia Credit Card: 16 railway lounge visits per year (max 4/quarter).

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

AU Small Finance Bank ixigo vs IDFC FIRST Bank Millennia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank ixigo and the IDFC FIRST Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.

ixigo

Millennia

The short answer

Verdict

Pick ixigo for spending abroad.

Pick Millennia for lounge access.

Head-to-head

Three core metrics

Annual fee

ixigo ₹0

Millennia ₹0
Forex markup

ixigo 0%

Millennia 3.5%

ixigo saves ~₹3,500 per ₹1L abroad
Domestic lounge

ixigo 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)

Millennia 16/year railway

Millennia: +8 lounge visits/yr

Reward earning explained

Per card

ixigo

2.5 pts / ₹100

Strong data

Millennia

3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank ixigo: ₹0 vs IDFC FIRST Bank Millennia: ₹0), forex markup (0% vs 3.5%), or lounge access (8/year (2 per quarter) vs 16/year railway).

Travel Insufficient data

Insufficient data to compare travel

Only AU Small Finance Bank ixigo has comparable evidence here. Forex markup is 0%.

ixigo: Strong data Millennia: Strong data
Forex markup AU Small Finance Bank ixigo wins

AU Small Finance Bank ixigo is better for forex

AU Small Finance Bank ixigo is stronger here. Forex markup is 0%.
Lounge access IDFC FIRST Bank Millennia wins

IDFC FIRST Bank Millennia is better for lounge access

IDFC FIRST Bank Millennia is stronger here. IDFC FIRST Bank Millennia offers 16 domestic lounge visits per year versus 8.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: AU Small Finance Bank ixigo is not safely INR-comparable (no usable point value). IDFC FIRST Bank Millennia conservative base value ~0.375% per ₹100.

ixigo: Strong data Millennia: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Millennia: ~₹190/month at base rate
ixigo AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	ixigo AU Small Finance Bank	Millennia IDFC FIRST Bank
Insurance — Personal accident cover Only available for IDFC FIRST Millennia	Not specified	₹2 lakh
Insurance — Lost card liability cover Only available for IDFC FIRST Millennia	Not specified	₹25,000
Insurance — Underwriter Only available for IDFC FIRST Millennia	Not specified	Insured by The Oriental Insurance Company Limited
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 16/year railway	8/year (2 per quarter)	16/year railway
International lounge visits 1 per year vs Not included	1 per year	No international lounge access
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 3.5%	0%	3.5%
Fees
Recurring annual fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Monthly interest rate Only available for ixigo AU	3.75% / month	Not specified
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹200/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹200–₹5,000 transactions · ₹200/month waiver cap · Fuel rewards excluded
Rewards
Base earn 2.5 pts / ₹100 vs 3 pts / ₹200	2.5 pts / ₹100	3 pts / ₹200
Conservative base value Not safely INR-comparable vs ~0.4%	Not safely INR-comparable	~0.4%
Earn ceiling Not stated vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities	Not stated	Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC FIRST Millennia	Not specified	₹0.25
Point validity Only available for IDFC FIRST Millennia	Not specified	2 years

Notes

ixigo AU Credit Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

AU Small Finance Bank ixigo

Verify with issuer

IDFC FIRST Bank Millennia

Verify with issuer