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Credit CardsComparisons

AU Bank NOMO Credit Card vs IDFC FIRST Millennia

A head-to-head comparison of AU Bank NOMO 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 NOMO Credit Card

Credit Builders & First-Time Applicants

Annual Fee
₹199
Reward Rate
2 RP per ₹100 (~0.5% effective at ₹0.25/point)
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Lifetime FreeCard B

IDFC FIRST Millennia

First-Time Earners

Annual Fee
Lifetime Free
Reward Rate
Up to 10X Points
Apply Now Read full review →

Feature comparison

FeatureAU BankIDFC FIRST
Annual Fee₹199 joining fee only; Lifetime Free from year 2 (backed by Fixed Deposit of ₹10,000+)Lifetime Free
Reward Rate2 RP per ₹100 (~0.5% effective at ₹0.25/point)Up to 10X Points
Best ForCredit Builders & First-Time ApplicantsFirst-Time Earners
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankIDFC FIRST
Online shopping
Everyday spending
Airport lounge access
Zero forex markup

Quick verdict

Choose AU Bank NOMO Credit Card if:

  • You spend heavily on zero forex markup
  • You spend heavily on airport lounge access

Choose IDFC FIRST Millennia if:

  • Lower annual fee (₹Nil vs ₹199)
  • You spend heavily on online shopping

Full pros & cons

AU Bank NOMO Credit Card

What's good
  • FD-backed — no credit history or income proof required; near-guaranteed approval
  • 0.99% forex markup on international transactions — best-in-class for a secured/starter card
  • 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
  • Builds CIBIL score over time — ideal first step toward premium cards
  • 500 welcome RP + quarterly milestones (500 RP at ₹25K, +500 RP at ₹50K spend)
Watch out for
  • Requires locking ₹10,000+ in a fixed deposit with AU Bank — opportunity cost
  • Very low earn rate (0.5% effective) — purely a credit-building, not a rewards card
  • Domestic lounge access requires ₹50,000 spend in the previous quarter (raised from ₹20K in April 2026)
  • Zero rewards on fuel, rent, EMI, education, government, and BBPS payments
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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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