IDFC FIRST Millennia Credit Card vs HDFC Millennia
Cap-aware comparison at ₹47,000/month total spend · Data verified March 2026
Category-by-Category Breakdown
Quick Specs
HDFC Millennia earns ₹720 more per month on this spending pattern. IDFC FIRST Millennia Credit Card wins on travel, groceries, utilities. HDFC Millennia wins on dining, online shopping, entertainment, shopping. They tie on 1 category. The best strategy? Use HDFC Millennia as your primary card and IDFC FIRST Millennia Credit Card for its winning categories.
→ You spend heavily on travel, groceries, utilities
→ You want a lower fee (₹499/year vs ₹1,000/year)
View IDFC FIRST Millennia Credit Card details →→ You spend heavily on dining, online shopping, entertainment
View HDFC Millennia details →Use IDFC FIRST Millennia Credit Card for travel and groceries, and HDFC Millennia for dining and online shopping. Combined fee: ₹1,499/year.
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