Which card has a lower forex fee: IDFC FIRST Millennia Credit Card or IRCTC SBI Platinum Credit Card?

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

Which card has a lower annual fee: IDFC FIRST Millennia Credit Card or IRCTC SBI Platinum 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. IRCTC SBI Platinum 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 SBI Card IRCTC SBI Platinum Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDFC FIRST Bank Millennia and the SBI Card IRCTC SBI Platinum. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge IDFC FIRST Bank Millennia Low fee IDFC FIRST Bank Millennia upi SBI Card IRCTC SBI Platinum

Quick comparison

Three core metrics

Millennia IDFC FIRST Bank

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

IRCTC SBI Platinum SBI Card

Annual fee ₹500 Waivable at ₹75,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Millennia

3 pts / ₹150 on General spend

IRCTC SBI Platinum

1 pts / ₹100 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 SBI Card IRCTC SBI Platinum: ₹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 IRCTC SBI Platinum: 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 IRCTC SBI Platinum: 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 IRCTC SBI Platinum: Limited data
upi SBI Card IRCTC SBI Platinum wins

SBI Card IRCTC SBI Platinum is better for UPI usage

SBI Card IRCTC SBI Platinum is stronger here. Supports UPI via RuPay network.

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
IRCTC SBI Platinum: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	Millennia IDFC FIRST Bank	IRCTC SBI Platinum SBI Card
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
Fee waiver spend Only available for IRCTC SBI Platinum	Not specified	₹75,000
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.