Equitas Tiga Credit Card vs IDFC FIRST Millennia Credit Card
How Equitas Tiga 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
IDFC FIRST Millennia Credit Card is lifetime-free, while Equitas Tiga Credit Card carries a fee (₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer)). If you won't reliably hit Equitas Tiga Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep.
Equitas Tiga Credit Card — better for upi-heavy spenders who want 3x reward points on upi and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
Side by side
| Equitas Tiga Credit CardEquitas Small Finance Bank | IDFC FIRST Millennia Credit CardIDFC FIRST Bank | |
|---|---|---|
| Annual fee | ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) | Nil — lifetime-free |
| Reward rate | 3 RP/₹100 on UPI, contactless and Pay-by-3 spends; 1 RP/₹100 on other spends; 1 RP = ₹0.15 (vouchers/products/travel) or ₹0.10 (cashback/Insta Redemption). | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire |
| Lifetime-free | No | Yes |
| Network | RuPay / Visa | Visa / RuPay |
| Eligibility | Approx age 22+, salaried with minimum income about ₹35,000/month (approx ₹5L annual); aggregator-sourced. | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) |
| Best for | UPI-heavy spenders who want 3X reward points on UPI and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver. | A no-fee everyday rewards card with points that never expire. |
Equitas Tiga Credit Card
- 3 RP/₹100 on UPI, contactless and Pay-by-3 EMI merchant spends; 1 RP/₹100 on other eligible spends (no rewards on rent, wallet loads, fuel or government spends)
- ₹500 + GST joining/annual fee, waivable on ≈₹1.2 lakh annual spend (issuer figure); often issued with the first-year fee waived
- 1% fuel surcharge waiver on fuel transactions of ₹500 to ₹3,000, capped at ₹100 per statement cycle; Pay-by-3 lets you split select-merchant purchases into 3-month low-cost EMIs
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
Equitas Tiga Credit Card vs IDFC FIRST Millennia Credit Card — FAQs
Neither is universally better. Equitas Tiga Credit Card suits upi-heavy spenders who want 3x reward points on upi and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver. 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.
IDFC FIRST Millennia Credit Card is lifetime-free, while Equitas Tiga Credit Card carries a fee (₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer)). If you won't reliably hit Equitas Tiga Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep. On rewards, Equitas Tiga Credit Card gives 3 reward points per ₹100 (3x base) on upi, contactless and pay-by-3 merchant spends; 1 rp per ₹100 on other spends. whereas IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever.
IDFC FIRST Millennia Credit Card is lifetime-free (no fee, ever), while Equitas Tiga Credit Card charges ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) (waivable on spend).
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.