Which card has a lower forex fee: HDFC Tata Neu Plus HDFC 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: HDFC Tata Neu Plus HDFC Bank Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card has a lower annual fee (₹0 vs ₹250).

Which card offers better lounge access?

HDFC Tata Neu Plus HDFC Bank Credit Card: 1 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?

HDFC Tata Neu Plus HDFC Bank Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Plus RuPay vs IDFC FIRST Bank Millennia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Tata Neu Plus RuPay and the IDFC FIRST Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge IDFC FIRST Bank Millennia Rewards HDFC Bank Tata Neu Plus RuPay upi HDFC Bank Tata Neu Plus RuPay

Quick comparison

Three core metrics

Tata Neu Plus RuPay HDFC Bank

Annual fee ₹250 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the 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

Tata Neu Plus RuPay

1 NeuCoins / ₹100 · Up to 2 NeuCoins / ₹100 on BigBasket

Limited data

Millennia

3 pts / ₹150

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Plus RuPay: ₹250 vs IDFC FIRST Bank Millennia: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 16/year railway).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
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 no airport lounge access.
Rewards HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for rewards

HDFC Bank Tata Neu Plus RuPay is stronger here. HDFC Bank Tata Neu Plus RuPay conservative base value ~1% vs IDFC FIRST Bank Millennia's ~0.5%.
upi HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for UPI usage

HDFC Bank Tata Neu Plus RuPay is stronger here. Supports UPI via RuPay network.

HDFC Bank Tata Neu Plus RuPay

Confidence: Low (limited information available)

Verify with issuer

IDFC FIRST Bank Millennia

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Plus HDFC Bank: ~₹500/month at base rate
IDFC FIRST Millennia: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tata Neu Plus RuPay HDFC Bank	Millennia IDFC FIRST Bank
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs 16/year railway	4/year (1 per quarter)	16/year railway
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹250 vs ₹0	₹250	₹0
Joining fee ₹250 vs ₹0	₹250	₹0
Fee waiver spend Only available for Tata Neu Plus HDFC Bank	₹1,00,000	Not specified
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Rewards
Base earn 1 NeuCoins / ₹100 vs 3 pts / ₹150	1 NeuCoins / ₹100	3 pts / ₹150
Conservative base value ~1% vs ~0.5%	~1%	~0.5%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹0.25

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.