Which card has a lower forex fee: IDBI Euphoria World Credit Card or IDFC FIRST Millennia Credit Card?

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

Which card has a lower annual fee: IDBI Euphoria World Credit Card or IDFC FIRST Millennia Credit Card?

IDFC FIRST Millennia Credit Card has a lower annual fee (₹0 vs ₹1,499).

Which card offers better lounge access?

IDBI Euphoria World Credit Card: 12 per year domestic lounge. IDFC FIRST Millennia Credit Card: 16 railway lounge visits per year (max 4/quarter).

Which card has a higher base reward rate?

IDBI Euphoria World Credit Card has higher base reward value (~0.75% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

IDBI Bank Euphoria World vs IDFC FIRST Bank Millennia Credit Cards – Fees, Lounge, Forex

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

Quick comparison

Three core metrics

Euphoria World IDBI Bank

Annual fee ₹1,499 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 12/year

Millennia IDFC FIRST Bank

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

Reward earning explained

Per card

Euphoria World

6 pts / ₹100 on Travel (6 Delight Points for every 100 you spend on travel rela…

Millennia

3 pts / ₹150 on General spend

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (IDBI Bank Euphoria World: ₹1,499 vs IDFC FIRST Bank Millennia: ₹0), forex markup (3.5% vs 3.5%), or lounge access (12/year vs 16/year railway).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 12 per year. Domestic lounge access is no airport lounge access.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDBI Euphoria World: ~₹380/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	Euphoria World IDBI Bank	Millennia IDFC FIRST Bank
Lounge Access
Domestic lounge visits 12/year vs 16/year railway	12/year	16/year railway
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,499 vs ₹0	₹1,499	₹0
Joining fee	₹0	₹0
Fee waiver spend Only available for IDBI Euphoria World	₹1,50,000	Not specified
Interest-free period Up to 48 days vs Up to 45 days	Up to 48 days	Up to 45 days
Rewards
Reward points (base spend) 3 pts/₹100 vs 3 pts/₹150	3 pts/₹100	3 pts/₹150
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹0.25	₹0.25
Point validity 3 years vs 2 years	3 years	2 years

Notes

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