Shortlist 2–4 cards
Side-by-side comparison of the IDFC FIRST Bank Millennia and the IndusInd Bank Pinnacle World. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | Millennia | Pinnacle World |
|---|---|---|
| Annual fee | ₹0 Lifetime free | ₹0 Lifetime free |
| Forex fee | 3.5% | 3.5% |
| Domestic lounge | 4/year | 4/year |
Fees: Tie
Confidence: High
Forex: Tie
Confidence: High
Lounge: Tie
Confidence: Medium (verify with issuer)
Confidence varies by card — verify issuer terms
Start with the constraint you care about most: annual fee (IDFC FIRST Bank Millennia: ₹0 vs IndusInd Bank Pinnacle World: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 4/year).
Explore: IDFC FIRST Bank Millennia card page · IndusInd Bank Pinnacle World card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| Millennia IDFC FIRST Bank | Pinnacle World IndusInd Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 4/year | 4/year |
| International lounge visits Only available for IndusInd Bank Pinnacle World | Not specified | 4/year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee | ₹0 | ₹0 |
| Joining fee ₹0 vs ₹15,000 | ₹0 | ₹15,000 |
| Rewards | ||
| Reward points (base spend) 3 pts/₹150 vs 1 pts/₹100 | 3 pts/₹150 | 1 pts/₹100 |
| Point cash value ₹0.25 vs ₹0.75 | ₹0.25 | ₹0.75 |