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Credit CardsComparisons

AU Bank LIT Credit Card vs IDFC FIRST Millennia

A head-to-head comparison of AU Bank LIT Credit Card and IDFC FIRST Millennia across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Lifetime FreeCard A

AU Bank LIT Credit Card

Variable Spenders Who Want Quarterly Flexibility

Annual Fee
Lifetime Free
Reward Rate
1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated features
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Lifetime FreeCard B

IDFC FIRST Millennia

First-Time Earners

Annual Fee
Lifetime Free
Reward Rate
Up to 10X Points
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Feature comparison

FeatureAU BankIDFC FIRST
Annual FeeLifetime Free (base card; individual features cost ₹49–₹399 per 90-day cycle via AU 0101 app)Lifetime Free
Reward Rate1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated featuresUp to 10X Points
Best ForVariable Spenders Who Want Quarterly FlexibilityFirst-Time Earners
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankIDFC FIRST
Online shopping
Dining
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank LIT Credit Card if:

  • You spend heavily on dining
  • You spend heavily on airport lounge access

Choose IDFC FIRST Millennia if:

    Full pros & cons

    AU Bank LIT Credit Card

    What's good
    • Lifetime free base card — zero fixed annual cost
    • Fully customisable: swap lounge access, OTT subscriptions, dining cashback, or category rewards every 90 days
    • No commitment to benefits you will not use — pay only for what you activate
    • Available features include 5% cashback on online/grocery (₹149–₹299/qtr), lounge access (₹199–₹299/qtr), bundled OTT memberships
    Watch out for
    • Base reward rate of 0.25% is poor — card has no value without activated features
    • Activating 2–3 features costs ₹600–₹1,000/quarter (up to ₹4,000/year), potentially exceeding a flat annual fee card
    • Requires active management in the AU 0101 app — auto-renewals can catch users off-guard
    • ₹99 + GST redemption fee per transaction; 3.49% forex markup — not for international use
    Apply Now

    IDFC FIRST Millennia

    What's good
    • Reward points never expire — accumulate without pressure
    • No joining or annual fee ever
    • Welcome benefits worth up to ₹1,500 (₹500 voucher on ₹5K spend + up to ₹1,000 cashback on first EMI)
    Watch out for
    • Railway lounge access only (not airport) — requires ₹20,000 spend in the previous month, 4 visits per quarter
    • High ₹20,000 spend required to unlock the 10X multiplier tier
    Apply Now
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