- Annual fee ₹1,000 Waivable at ₹30,000 spend
- Forex markup 3.5%
- Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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Axis Bank IndianOil Axis Bank Premium RuPay vs IDFC FIRST Bank Millennia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the IDFC FIRST Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.
upi Axis Bank IndianOil Axis Bank Premium RuPay
Quick comparison
Three core metrics- Annual fee ₹0 Lifetime free
- Forex markup 3.5%
- Domestic lounge 16/year railway
Reward earning explained
Per card1 EDGE Miles / ₹150 · Up to 6 EDGE Miles / ₹150 on IndianOil
Limited data3 pts / ₹150
Pick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs IDFC FIRST Bank Millennia: ₹0), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs 16/year railway).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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Rewards Tie Both cards are similar for rewards
Axis Bank IndianOil Axis Bank Premium RuPay conservative base value ~0.1% vs IDFC FIRST Bank Millennia's ~0.5%. IDFC FIRST Bank Millennia conservative base value ~0.5% vs Axis Bank IndianOil Axis Bank Premium RuPay's ~0.1%.
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upi Axis Bank IndianOil Axis Bank Premium RuPay wins Axis Bank IndianOil Axis Bank Premium RuPay is better for UPI usage
Axis Bank IndianOil Axis Bank Premium RuPay is stronger here. Supports UPI via RuPay network.
Axis Bank IndianOil Axis Bank Premium RuPay
Confidence: Low (limited information available)
Verify with issuer , opens external siteIDFC FIRST Bank Millennia
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- IDFC FIRST Millennia: ~₹250/month at base rate
- IndianOil Axis Bank Premium: ~₹70/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | Millennia IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs 16/year railway | 8/year (2 per quarter) | 16/year railway |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Joining fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Fee waiver spend Only available for IndianOil Axis Bank Premium | ₹30,000 | Not specified |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Rewards | ||
| Points per ₹150 1 EDGE Miles / ₹150 vs 3 pts / ₹150 | 1 EDGE Miles / ₹150 | 3 pts / ₹150 |
| Conservative base value ~0.1% vs ~0.5% | ~0.1% | ~0.5% |
| 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.