AU Bank LIT Credit Card vs IDFC FIRST Millennia Credit Card
How AU Bank LIT Credit Card and IDFC FIRST Millennia Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
AU Bank LIT Credit Card — better for people who want a free base card and pay only for features they switch on.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
Side by side
| AU Bank LIT Credit CardAU Small Finance Bank | IDFC FIRST Millennia Credit CardIDFC FIRST Bank | |
|---|---|---|
| Annual fee | Nil base (optional packs ₹49–₹399) | Nil — lifetime-free |
| Reward rate | Base 1 RP/₹100; up to 5X/10X with paid feature packs (cap ~10k RP/cycle) | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire |
| Lifetime-free | Yes | Yes |
| Network | Visa | Visa / RuPay |
| Eligibility | Salaried 21–60 / self-employed 25–65 yrs; resident Indian | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) |
| Best for | People who want a free base card and pay only for features they switch on. | A no-fee everyday rewards card with points that never expire. |
AU Bank LIT Credit Card
- Lifetime-free base — ₹0 joining and ₹0 annual fee
- Customisable: turn on 90-day feature packs (₹49–₹399) for up to 5X/10X rewards
- Base 1 reward point per ₹100 (~0.25%); packs add accelerated rewards (cap ~10,000 RP/cycle)
IDFC FIRST Millennia Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
- 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
- Reward points never expire
AU Bank LIT Credit Card vs IDFC FIRST Millennia Credit Card — FAQs
Neither is universally better. AU Bank LIT Credit Card suits people who want a free base card and pay only for features they switch on. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend. On rewards, AU Bank LIT Credit Card gives lifetime-free base; switch on benefit packs only in the cycles you want them. whereas IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever.
AU Bank LIT Credit Card: Nil base (optional packs ₹49–₹399). IDFC FIRST Millennia Credit Card: Nil — lifetime-free. Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.