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 (₹0).

Which card offers better lounge access?

ixigo AU Credit Card: 2 per quarter domestic lounge. 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.

Forex AU Small Finance Bank ixigo

Quick comparison

Three core metrics

ixigo AU Small Finance Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter

Millennia IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 16/year railway

Reward earning explained

Per card

ixigo

5 pts / ₹100 on Online shopping (online only · 10 reward points for every ₹200…

Millennia

3 pts / ₹150 on General spend

Pick based on what matters

3 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 (2/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: Limited data Millennia: Limited 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 Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter. Domestic lounge access is no airport lounge access.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Millennia: ~₹250/month at base rate
ixigo AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ixigo AU Small Finance Bank	Millennia IDFC FIRST Bank
Lounge Access
Domestic lounge visits 2/quarter vs 16/year railway	2/quarter	16/year railway
International lounge visits Only available for ixigo AU	1/year	Not specified
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 3.5%	0%	3.5%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Rewards
Reward points (base spend) 2.5 pts/₹100 vs 3 pts/₹150	2.5 pts/₹100	3 pts/₹150
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

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.