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

Axis Bank Burgundy Private Credit Card has lower forex markup (0% vs 3.5%).

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

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

Axis Bank Burgundy Private Credit Card: Unlimited domestic lounge access. 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 →

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

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

Forex Axis Bank Burgundy Private

Quick comparison

Three core metrics

Burgundy Private Axis Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge Unlimited

Millennia IDFC FIRST Bank

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

Reward earning explained

Per card

Burgundy Private

7.5 pts / ₹100 on General spend

Limited data

Millennia

3 pts / ₹150 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Burgundy Private: ₹0 vs IDFC FIRST Bank Millennia: ₹0), forex markup (0% vs 3.5%), or lounge access (Unlimited vs 16/year railway).

Travel Insufficient data

Insufficient data to compare travel

Only Axis Bank Burgundy Private has comparable evidence here. Forex markup is 0%.

Burgundy Private: Limited data Millennia: Limited data
Forex markup Axis Bank Burgundy Private wins

Axis Bank Burgundy Private is better for forex

Axis Bank Burgundy Private is stronger here. Forex markup is 0%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited. Domestic lounge access is no airport lounge access.
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Burgundy Private has comparable evidence here. Estimated base reward value is ~1.5% on base spend.

Burgundy Private: Limited data

Confidence: Low (limited information available)

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
Burgundy Private: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Burgundy Private Axis Bank	Millennia IDFC FIRST Bank
Lounge Access
Domestic lounge visits Unlimited vs 16/year railway	Unlimited	16/year railway
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) 7.5 pts/₹100 vs 3 pts/₹150	7.5 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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.