HDFC Millennia vs FIRST Millennia

FIRST Millennia has the lower annual fee (Free against ₹1,000). HDFC Millennia waives its fee on ₹1,00,000 of spend a year; FIRST Millennia has no spend waiver. For spends abroad, FIRST Millennia charges the lower forex markup (0% plus GST). On all three sample spends below, HDFC Millennia comes out ahead after fees. The Saifu app works it out on your own spends, on your phone.

Feature	HDFC MillenniaHDFC0 wins	FIRST MillenniaIDFC FIRST3 wins · ahead
Annual fee	₹1,000	LowerFree
Joining fee	₹1,000	LowerFree
Fee waiver	Waived on ₹1,00,000 spend a year	No fee to waive
Rewards	5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit; 1% cashback on other spends	10X reward points on dining, travel and international spends; 3X on eligible spends; 1X = 1 reward point per ₹200
Airport lounges	None listed	None listed
Forex markup	3.5% plus GST	Lower0% plus GST
Points	Cashback or not listed	Reward Points, about ₹0.25 a point
Published minimum income and age	Salaried ₹4,20,000 a year, self-employed ₹6,00,000 a year, age 21 to 40	Salaried ₹3,00,000 a year, self-employed ₹3,00,000 a year
Network	Visa / Mastercard	Not listed
Apply	Bank page	Bank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

What each card earns in a year

Sample spender	HDFC Millennia	FIRST Millennia
Everyday spender₹30,000 a month	More₹7,560 a year₹7,560 rewards, no fee to pay	₹1,478 a year₹1,478 rewards, no fee to pay
Online shopper₹50,000 a month	More₹15,600 a year₹15,600 rewards, no fee to pay	₹2,655 a year₹2,655 rewards, no fee to pay
Frequent traveller₹1,00,000 a month	More₹20,520 a year₹20,520 rewards, no fee to pay	₹10,395 a year₹10,395 rewards, no fee to pay

The sample spends and how this is worked out

Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, HDFC Millennia or FIRST Millennia?

On all three sample spends below, HDFC Millennia comes out ahead after fees. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

FIRST Millennia (Free against ₹1,000). HDFC Millennia waives it on ₹1,00,000 of spend a year.

Add a third card HDFC Millennia FIRST Millennia

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