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CARD VS CARD · 28 APPS COMPARED

IDFC FIRST Millennia vs HDFC Millennia

IDFC FIRST Millennia wins on 4 apps, HDFC Millennia on 23. IDFC FIRST Millennia for Cleartrip and Domino's; HDFC Millennia for Amazon and BookMyShow.

IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia

4 apps

Best for Cleartrip, Domino's and Goibibo

No annual feePaid as Reward Points
HDFC Bank Millennia Credit Card

HDFC Millennia

23 apps

Best for Amazon, BookMyShow and Flipkart

₹1,000 a yearFee waived at ₹1,00,000 spendPaid as Reward Points

They earn the same on 1 app.

App by app

Biggest differences first. Blue marks the card that earns more.

AppIDFC FIRST MillenniaHDFC Millennia
  1. Amazon0.38%5%
  2. BookMyShow0.38%5%
  3. Flipkart0.38%5%
  4. Myntra0.38%5%
  5. Tata CLiQ0.38%5%
  6. Uber0.38%5%
  7. Swiggy1.25%5%
  8. Zomato1.25%5%
  9. Airtel Thanks0.12%1%
  10. ixigo0.12%1%
  11. AJIO0.38%1%
  12. Apollo 24|70.38%1%
  13. BigBasket0.38%1%
  14. Blinkit0.38%1%
  15. District0.38%1%
  16. JioMart0.38%1%
  17. Meesho0.38%1%
  18. Nykaa0.38%1%
  19. PVR INOX0.38%1%
  20. Reliance Digital0.38%1%
  21. Swiggy Instamart0.38%1%
  22. Tata Neu0.38%1%
  23. Zepto0.38%1%
  24. Cleartrip1.25%1%
  25. Domino's1.25%1%
  26. Goibibo1.25%1%
  27. MakeMyTrip1.25%1%
  28. IRCTC Rail Connect0%0%

Questions people ask

Which is better, IDFC FIRST Millennia or HDFC Millennia?

IDFC FIRST Millennia earns more on 4 of the 28 apps Pickkard covers, HDFC Millennia on 23, and they earn the same on 1. Choose IDFC FIRST Millennia if you spend most on Cleartrip, Domino's and Goibibo. Choose HDFC Millennia if you spend most on Amazon, BookMyShow and Flipkart. IDFC FIRST Millennia has the lower annual fee (none against ₹1,000).

Which has the lower fees, IDFC FIRST Millennia or HDFC Millennia?

IDFC FIRST Millennia: joining None, annual None (Lifetime free, with no spending condition.). HDFC Millennia: joining ₹1,000, annual ₹1,000 (Renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.).

Can I use both IDFC FIRST Millennia and HDFC Millennia?

Yes. Many people keep both and use each where it earns more: IDFC FIRST Millennia on Cleartrip, Domino's and Goibibo, HDFC Millennia on Amazon, BookMyShow and Flipkart. Pickkard tells you which one to use each time you open a shopping app.

Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.