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Credit CardsComparisons

ICICI Platinum Chip Card vs IDFC FIRST Millennia

A head-to-head comparison of ICICI Platinum Chip Card and IDFC FIRST Millennia across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Lifetime FreeCard A
Annual Fee
Lifetime Free
Reward Rate
2 PAYBACK Points per ₹100
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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

FeatureICICI PlatinumIDFC FIRST
Annual FeeLifetime FreeLifetime Free
Reward Rate2 PAYBACK Points per ₹100Up to 10X Points
Best ForBank OffersFirst-Time Earners
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryICICI PlatinumIDFC FIRST
Online shopping
Everyday spending

Quick verdict

Choose ICICI Platinum Chip Card if:

    Choose IDFC FIRST Millennia if:

    • You spend heavily on online shopping

    Full pros & cons

    ICICI Platinum Chip Card

    What's good
    • Zero maintenance cost — purely passive value
    • Unlocks exclusive ICICI e-commerce sale discounts
    • Accepted across all major Indian shopping platforms
    Watch out for
    • Very poor base reward rate outside sale events
    • No reward points on rent, e-wallet loads, government, and education spends (2026 change)
    • Reward points expire after 2 years of card inactivity
    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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