IDFC FIRST Millennia vs IDFC FIRST Select

Q: Which is better, IDFC FIRST Millennia or IDFC FIRST Select?

IDFC FIRST Millennia and IDFC FIRST Select both earn IDFC FIRST Reward Points, so the transfer partners are the same; what separates them is how fast each earns and what each costs. IDFC FIRST Millennia and IDFC FIRST Select are worth the same to you at every spend from ₹25,000 to ₹5 lakh a month, so the choice comes down to the perks below. We found nothing IDFC FIRST Millennia does clearly better than IDFC FIRST Select on the rows below.

Q: IDFC FIRST Millennia or IDFC FIRST Select: which is worth more at ₹3 lakh a month?

IDFC FIRST Millennia and IDFC FIRST Select are level at ₹11,800 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Q: Which costs less to get, IDFC FIRST Millennia or IDFC FIRST Select?

They cost the same: ₹0 — lifetime free. IDFC FIRST Millennia has no fee waiver; IDFC FIRST Select has no fee waiver.

Q: Which gets you into more airport lounges, IDFC FIRST Millennia or IDFC FIRST Select?

IDFC FIRST Select: 55 of the 792 lounges we track, against 23 for IDFC FIRST Millennia. Visit limits and guest charges differ by card; each card's page lists them.

Q: How current is this comparison?

Both cards were last checked against their banks' own documents on 26 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

Verified 26 Oct 2026 14 sources

Your monthly spend

<₹50k ₹50k–1L ₹1–2L ₹2–5L ₹5L+

IDFC FIRST Millennia and IDFC FIRST Select are level at ₹1,200 a year at ₹30,000 a month, after fees

IDFC FIRST Millennia and IDFC FIRST Select are level at ₹2,900 a year at ₹75,000 a month, after fees

IDFC FIRST Millennia and IDFC FIRST Select are level at ₹5,900 a year at ₹1.5 lakh a month, after fees

IDFC FIRST Millennia and IDFC FIRST Select are level at ₹11,800 a year at ₹3 lakh a month, after fees

IDFC FIRST Millennia and IDFC FIRST Select are level at ₹19,700 a year at ₹5 lakh a month, after fees

IDFC FIRST Bank

IDFC FIRST Millennia

Our verdict: Keep

IDFC FIRST Bank

IDFC FIRST Select

Our verdict: Keep

IDFC FIRST Select vs IDFC FIRST Millennia: which should you pick?

IDFC's two lifetime-free cards on one reward engine: 10X on dining, travel, international and birthday spends, 1.25% at ₹0.25 a point, 25 points per ₹100 on hotels and 15 on flights booked in IDFC's app, and about 0.38% on everything else. The page's value model scores the two level at every spend level it tests, so the lounge decides it. Millennia opens four railway lounge visits a quarter and no airport lounge; Select one domestic airport visit and four railway visits a quarter, and both only after ₹20,000 of spend in the previous month.

IDFC FIRST Millennia and IDFC FIRST Select both earn IDFC FIRST Reward Points, so the transfer partners are the same; what separates them is how fast each earns and what each costs. IDFC FIRST Millennia and IDFC FIRST Select are worth the same to you at every spend from ₹25,000 to ₹5 lakh a month, so the choice comes down to the perks below. We found nothing IDFC FIRST Millennia does clearly better than IDFC FIRST Select on the rows below.

IDFC FIRST Millennia review IDFC FIRST Select review

Side by side

IDFC FIRST Millennia and IDFC FIRST Select, fact by fact

Fact	IDFC FIRST Millennia	IDFC FIRST Select
Can you get it	Open to apply	Open to apply
Fee (joining · annual, + GST)	₹0 — lifetime free	₹0 — lifetime free
Fee waiver	None	None
Reward rate on everyday spend	0.4%	0.4%✓ Better
Points	IDFC FIRST Reward Points	IDFC FIRST Reward Points
Our value per point	₹0.25 †	₹0.25 †
Transfer partners	None	None
Lounges it gets you into	23 of 792	55 of 792✓ Better
Forex markup	Nil	Nil
Welcome benefit	₹500 brand voucher on ₹5,000 of spend within 30 days of activation, plus 5% cashback up to ₹1,000 on the first EMI transaction — IDFC totals it at ₹1,500	₹500 gift voucher on ₹5,000 spent within 30 days of card generation, plus 5% cashback up to ₹1,000 on your first EMI transaction in the same 30 days

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. IDFC FIRST Select is ahead on 3 of the 3 rows we can call.

More facts 8 rows

Rank, verdict, lounge visits and fine print

Fact	IDFC FIRST Millennia	IDFC FIRST Select
Our rank	#142	#96✓ Better
Our verdict	Keep	Keep
Lounge visits in India	None — no airport lounge access; 4 railway lounge visits/quarter	1/quarter (+4 railway lounge visits/quarter) at the 32 rooms on IDFC's own FIRST Select list, NOT the Visa network
Lounge visits abroad	None	None
Forex, in the bank’s words	Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions	Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions
Interest (APR)	Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment, revised back to 46.2% once the minimum is paid	Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment
Income needed (salaried)	₹3L+/yr — IDFC's product page states one income floor for both employment types, not the two-column band most issuers publish	₹12L+/yr (official product page)
Income needed (self-employed)	₹3L+/yr — the same single floor; IDFC publishes no separate ITR test	₹12L+/yr (official product page)

† IDFC FIRST Millennia: IDFC prints the redemption rate on the product page itself — "1 Reward point = ₹0.25" — which is the house value exactly: Millennia has no in-app travel tier above it, the way Mayura (₹0.50) and Gaj (₹1.00) do. Points die 24 months after they are credited and each redemption costs ₹99 + GST.

† IDFC FIRST Select: Select redeems the IDFC point at a flat ₹0.25 — including on the app's own Travel & Shop platform, which its travel T&C spells out ("Reward Points can be redeemed at 1 Point = ₹0.25"). That is the house value exactly: no ₹0.50 app-travel tier like Mayura's, no ₹1.00 portal tier like Gaj's. Points expire 24 months after they're credited.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee

Monthly spend	IDFC FIRST Millennia	IDFC FIRST Select
At ₹30,000 a month	₹1,200	₹1,200
At ₹75,000 a month	₹2,900	₹2,900
At ₹1.5 lakh a month	₹5,900	₹5,900
At ₹3 lakh a month	₹11,800	₹11,800
At ₹5 lakh a month	₹19,700	₹19,700
Pays for itself from	The first rupee	The first rupee

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps

IDFC FIRST Millennia and IDFC FIRST Select at each ₹25,000 step

Monthly spend	IDFC FIRST Millennia	IDFC FIRST Select	Ahead
₹25,000	₹1,000	₹1,000	Level
₹50,000	₹2,000	₹2,000	Level
₹75,000	₹2,900	₹2,900	Level
₹1 lakh	₹3,900	₹3,900	Level
₹1.25 lakh	₹4,900	₹4,900	Level
₹1.5 lakh	₹5,900	₹5,900	Level
₹1.75 lakh	₹6,900	₹6,900	Level
₹2 lakh	₹7,900	₹7,900	Level
₹2.25 lakh	₹8,800	₹8,800	Level
₹2.5 lakh	₹9,800	₹9,800	Level
₹2.75 lakh	₹10,800	₹10,800	Level
₹3 lakh	₹11,800	₹11,800	Level
₹3.25 lakh	₹12,800	₹12,800	Level
₹3.5 lakh	₹13,800	₹13,800	Level
₹3.75 lakh	₹14,700	₹14,700	Level
₹4 lakh	₹15,700	₹15,700	Level
₹4.25 lakh	₹16,700	₹16,700	Level
₹4.5 lakh	₹17,700	₹17,700	Level
₹4.75 lakh	₹18,700	₹18,700	Level
₹5 lakh	₹19,700	₹19,700	Level

How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 shared

Both cards earn IDFC FIRST Reward Points, so they move points to the same 0 partners .

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points