Which card has a lower forex fee: Airtel Axis Bank Credit Card or IDFC FIRST Millennia Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Airtel Axis Bank Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card has a lower annual fee (₹0 vs ₹500).

Which card offers better lounge access?

Airtel Axis Bank Credit Card: No domestic lounge. IDFC FIRST Millennia Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

Airtel Axis Bank Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Add another card →

Axis Bank Airtel vs IDFC FIRST Bank Millennia Credit Cards – Fees, Lounge, Forex

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

Lounge IDFC FIRST Bank Millennia Low fee IDFC FIRST Bank Millennia

Quick comparison

Three core metrics

Airtel Axis Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Millennia IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Airtel

1% on General spend

Limited data

Millennia

3 pts / ₹150 on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Airtel: ₹500 vs IDFC FIRST Bank Millennia: ₹0), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Airtel: Limited data Millennia: Limited data
Lounge access IDFC FIRST Bank Millennia wins

IDFC FIRST Bank Millennia is better for lounge access

IDFC FIRST Bank Millennia is stronger here. Domestic lounge access is 4/year.

Airtel: Limited data Millennia: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Airtel has comparable evidence here. Estimated base reward value is ~1% on base spend.

Airtel: Limited data Millennia: Limited data
Annual fee IDFC FIRST Bank Millennia wins

IDFC FIRST Bank Millennia is better for fees

IDFC FIRST Bank Millennia is stronger here. Annual fee is ₹0.

Airtel: Limited data Millennia: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Airtel Axis Bank: ~₹500/month at base rate
IDFC FIRST Millennia: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Airtel Axis Bank	Millennia IDFC FIRST Bank
Lounge Access
Domestic lounge visits No lounge access vs 4/year	No lounge access	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹0	₹500	₹0
Joining fee ₹500 vs ₹0	₹500	₹0
Fee waiver spend Only available for Airtel Axis Bank	₹2,00,000	Not specified
Rewards
Reward points (base spend) 1 pts/₹100 vs 3 pts/₹150	1 pts/₹100	3 pts/₹150
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

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