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Credit CardsComparisons

IDFC FIRST Millennia vs IndusInd Bank Tiger Credit Card

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

Lifetime FreeCard A

IDFC FIRST Millennia

First-Time Earners

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

IndusInd Bank Tiger Credit Card

Lifetime-Free Travel & Lounge

Annual Fee
Lifetime Free
Reward Rate
Up to 6X tiered (~2.4% effective)
Apply Now Read full review →

Feature comparison

FeatureIDFC FIRSTIndusInd Bank
Annual FeeLifetime FreeLifetime Free
Reward RateUp to 10X PointsUp to 6X tiered (~2.4% effective)
Best ForFirst-Time EarnersLifetime-Free Travel & Lounge
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryIDFC FIRSTIndusInd Bank
Online shopping
Domestic travel
International travel
Everyday spending
Airport lounge access
Fuel surcharge waiver

Quick verdict

Choose IDFC FIRST Millennia if:

  • You spend heavily on online shopping
  • This is your first credit card

Choose IndusInd Bank Tiger Credit Card if:

  • You spend heavily on international travel
  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access
  • You spend heavily on fuel surcharge waiver

Full pros & cons

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

IndusInd Bank Tiger Credit Card

What's good
  • Truly lifetime free — no annual or joining fee
  • 2 international lounge visits/year via Priority Pass + 2 domestic visits/quarter
  • Low 1.5% forex markup (vs the standard 3.5%) for occasional foreign spends
  • 1 free movie ticket every 6 months on BookMyShow + 1 golf game per quarter
Watch out for
  • Minimum income criteria — ₹6L p.a. salaried / ₹8L self-employed; 750+ credit score expected
  • Reward rate is tiered: only 1 RP per ₹100 (0.4%) on first ₹1L annual spend — the 6X rate unlocks after ₹5L
  • 1.5% forex still beats standard cards but lags zero-forex options like IDFC Wow or Scapia
  • Reward Point value is ₹0.40 each — middling redemption value vs cashback cards