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

RBL Bank World Safari Credit Card has lower forex markup (0% vs 3.5%).

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

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

IDFC FIRST Millennia Credit Card: 4/year domestic lounge. RBL Bank World Safari Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~0.5%).

Pairwise comparison Add another card →

IDFC FIRST Bank Millennia vs RBL Bank World Safari Credit Cards – Fees, Lounge, Forex

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

Forex RBL Bank World Safari

Quick comparison

Three core metrics

Millennia IDFC FIRST Bank

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

World Safari RBL Bank

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

Reward earning explained

Per card

Millennia

3 pts / ₹150 on General spend

World Safari

2 pts / ₹100 on General spend

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Millennia: ₹0 vs RBL Bank World Safari: ₹0), forex markup (3.5% vs 0%), or lounge access (4/year vs 4/year).

Travel Insufficient data

Insufficient data to compare travel

Only RBL Bank World Safari has comparable evidence here. Forex markup is 0%.

Millennia: Limited data World Safari: Limited data
Forex markup RBL Bank World Safari wins

RBL Bank World Safari is better for forex

RBL Bank World Safari is stronger here. Forex markup is 0%.

Millennia: Limited data World Safari: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4/year.

Millennia: Limited data World Safari: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹0.

Millennia: Limited data World Safari: Limited data
upi Tie

Both cards are similar for UPI usage

Visa 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
RBL Bank World Safari: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Millennia IDFC FIRST Bank	World Safari RBL Bank
Lounge Access
Domestic lounge visits	4/year	4/year
Forex / International Use
Forex markup 3.5% vs 0%	3.5%	0%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Rewards
Reward points (base spend) 3 pts/₹150 vs 2 pts/₹100	3 pts/₹150	2 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.