Start with where you live. Compare local cards, their recurring costs and the benefits that can fit spending you already planned.
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India⌄
Compare local options
India
Your planned spending may bring something back: useful rewards, a future trip or a little more room in your everyday budget. The right choice depends on the local terms.
IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
₹0.00Standard annual fee · INR
No joining or annual fee for the standard primary card. Optional UPI functionality, personalised designs and add-on cards have separate charges.
3 reward points per INR 200 on eligible ordinary spending; 1 point is worth INR 0.25. Other spending categories have different rates.
Who can apply
Indian residents with annual income of at least INR 300,000; issuer age, identity and credit checks apply. Issuance is subject to bank approval.
Before you choose
Redemption costs INR 99 plus GST and points expire after 24 months. Fuel, EMI and cash withdrawals earn no points. Check the latest category rules before using the card abroad.
INR 1,000 annual membership plus 18% GST = INR 1,180. Joining fee is also INR 1,000 plus tax. Renewal fee is waived after spending over INR 100,000 in the year before renewal.
5% cashback as CashPoints at ten specified online merchants and 1% on other eligible spending. Each category is capped at 1,000 CashPoints per calendar month; 1 CashPoint = INR 1 for statement credit.
Who can apply
Indian nationals aged 21–40. Salaried applicants: net monthly income above INR 35,000; self-employed: annual ITR above INR 600,000. Identity and credit checks and bank approval apply.
Before you choose
Fuel, rent, government payments and EMI are excluded under the relevant rules. Statement-credit redemption costs INR 50 plus tax and requires at least 500 CashPoints. This is not automatic cash; merchant coding and other limits apply.
