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 (No joining or annual fee currently listed vs ₹499 annual fee).

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 conservative base reward value (~1% vs ~0.38%).

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.

Tata Neu Plus RuPay

Millennia

The short answer

Verdict

Pick Tata Neu Plus RuPay for rewards and upi.

Pick Millennia for lounge access.

Head-to-head

Three core metrics

Annual fee

Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spend

Millennia ₹0

Millennia saves ₹499/yr
Forex markup

Tata Neu Plus RuPay 3.5%

Millennia 3.5%
Domestic lounge

Tata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter

Millennia 16/year railway

Millennia: +12 lounge visits/yr

Reward earning explained

Per card

Tata Neu Plus RuPay

1 NeuCoins / ₹100 · 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Millennia

3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Plus RuPay: ₹499 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 ~0.4%.
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.

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: ~₹190/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Plus RuPay HDFC Bank	Millennia IDFC FIRST Bank
Insurance — Personal accident cover Only available for IDFC FIRST Millennia	Not specified	₹2 lakh
Insurance — Lost card liability cover Only available for IDFC FIRST Millennia	Not specified	₹25,000
Insurance — Underwriter Only available for IDFC FIRST Millennia	Not specified	Insured by The Oriental Insurance Company Limited
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs 16/year railway	4/year (1 per quarter)	16/year railway
International lounge visits	No international lounge access	No international lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee ₹499 vs ₹0	₹499	₹0
Annual-fee waiver 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
Late-payment charge Only available for Tata Neu Plus HDFC Bank	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹200/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap	1% surcharge waiver · ₹200–₹5,000 transactions · ₹200/month waiver cap · Fuel rewards excluded
Rewards
Base earn 1 NeuCoins / ₹100 vs 3 pts / ₹200	1 NeuCoins / ₹100	3 pts / ₹200
Conservative base value ~1% vs ~0.4%	~1%	~0.4%
Earn ceiling 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities	1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend	Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities
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

HDFC Tata Neu Plus HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

HDFC Bank Tata Neu Plus RuPay

Verify with issuer

IDFC FIRST Bank Millennia

Verify with issuer