Add more cards → Shortlist 2–4 cards
IDFC FIRST Millennia vs Scapia – Full comparison
Both cards verified with issuer
IDFC FIRST Millennia source Scapia sourceForex costs are a key difference
Key differences
Best forex Scapia 0%
Best lounge Scapia Unlimited lounge
Spend context
At ₹50k/month spend:
- IDFC FIRST Millennia: ~₹250/month at base rate
- Scapia: ~₹200/month at base rate
Approximate, based on base rates (before caps).
| IDFC FIRST Millennia IDFC | Scapia FEDERAL | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 4/year vs Unlimited | 4/year | Unlimited |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 0% | 3.5% | 0% |
| Fees | ||
| Annual fee No difference | ₹0 | ₹0 |
| Joining fee No difference | ₹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 vs ₹0.2 | ₹0.25 | ₹0.2 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
- IDFC FIRST Millennia vs IDFC FIRST Private Reserve IDFC vs IDFC
- IDFC FIRST Millennia vs IDFC FIRST Select IDFC vs IDFC
- IDFC FIRST Millennia vs HPCL IDFC First Power+ IDFC vs IDFC
- Scapia vs Amazon Pay FEDERAL vs ICICI
- Scapia vs IDFC FIRST Private Reserve FEDERAL vs IDFC
- Scapia vs IDFC FIRST Select FEDERAL vs IDFC
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.