American Express Platinum Charge Card
American Express
Rewards 1.2%
Net Value -₹56,196
Joining Fee ₹66,000
Renewal Fee ₹66,000
Unlimited lounge access • Forex 3.5%
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
Millennial-focused rewards credit card
Joining Fee
₹0
+ 18% GST
First Year Net
+₹9,599
Annual Fee
₹0
+ 18% GST
Renewal Net
+₹9,099
Base Reward Rate
0.7%
1 points per ₹150
Best Category
6.7%
Final Net Score
17
out of 100
Net Annual Value
+₹9,099
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
17/100
Effective Reward Rate
Weighted average based on your spending categories
1.5%
Annual Net Value
Expected yearly benefit after all costs
₹9,099
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Millennial-focused rewards credit card
Launch Date
2019
Networks
Visa, Mastercard, RuPay
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹9,099
Fee outcome
Fee likely waived
Why this result
- Top earning category: incremental online spends has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
IDFC FIRST Millennia Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: Free
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 0.7% reward rate
- Lounge Access: Available
- Our Rating: 17/100
IDFC FIRST Millennia Credit Card - Frequently Asked Questions
What are the benefits of IDFC FIRST Millennia Credit Card?
IDFC FIRST Millennia Credit Card from IDFC FIRST Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for IDFC FIRST Millennia Credit Card?
IDFC FIRST Millennia Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does IDFC FIRST Millennia Credit Card cost?
The annual fee for IDFC FIRST Millennia Credit Card is free. Additional charges may include foreign transaction fees and late payment charges.
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