Which card has a lower forex fee: IDFC FIRST Millennia Credit Card or IndianOil RBL Bank XTRA Credit Card?

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

Which card has a lower annual fee: IDFC FIRST Millennia Credit Card or IndianOil RBL Bank XTRA Credit Card?

IDFC FIRST Millennia Credit Card has a lower annual fee (₹0 vs ₹500).

Which card offers better lounge access?

IDFC FIRST Millennia Credit Card: 4/year domestic lounge. IndianOil RBL Bank XTRA Credit Card: No domestic lounge.

Which card has a higher base reward rate?

IDFC FIRST Millennia Credit Card has higher base reward value (~0.5% vs ~0.25%).

Pairwise comparison Add another card →

IDFC FIRST Bank Millennia vs RBL Bank IndianOil RBL Bank XTRA Credit Cards – Fees, Lounge, Forex

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

Lounge IDFC FIRST Bank Millennia Low fee IDFC FIRST Bank Millennia

Quick comparison

Three core metrics

Millennia IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 4/year

IndianOil RBL Bank XTRA RBL Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Millennia

3 pts / ₹150 on General spend

IndianOil RBL Bank XTRA

1% on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Millennia: ₹0 vs RBL Bank IndianOil RBL Bank XTRA: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Millennia: Limited data IndianOil RBL Bank XTRA: Limited data
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 4/year.

Millennia: Limited data IndianOil RBL Bank XTRA: Limited data
Annual fee IDFC FIRST Bank Millennia wins

IDFC FIRST Bank Millennia is better for fees

IDFC FIRST Bank Millennia is stronger here. Annual fee is ₹0.

Millennia: Limited data IndianOil RBL Bank XTRA: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments. Mastercard network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Millennia: ~₹250/month at base rate
IndianOil RBL Bank XTRA: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	Millennia IDFC FIRST Bank	IndianOil RBL Bank XTRA RBL Bank
Lounge Access
Domestic lounge visits 4/year vs No lounge access	4/year	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹0 vs ₹500	₹0	₹500
Joining fee ₹0 vs ₹500	₹0	₹500
Rewards
Reward points (base spend) 3 pts/₹150 vs 1 pts/₹100	3 pts/₹150	1 pts/₹100
Point cash value	₹0.25	₹0.25

Notes

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