IDFC FIRST Millennia Credit Card vs IndusInd Bank Platinum Aura Edge Credit Card
How IDFC FIRST Millennia Credit Card and IndusInd Bank Platinum Aura Edge Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
Quick take
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
IndusInd Bank Platinum Aura Edge Credit Card — better for someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it.
Side by side
| IDFC FIRST Millennia Credit CardIDFC FIRST Bank | IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed) |
| Reward rate | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire | 4 RP per ₹100 on chosen plan category (marketed as "up to 8X" vs 0.5 RP base), 0.5 RP per ₹100 on other spends; 1 RP = ₹0.40 on cash redemption (₹0.50 on catalogue), capped at 2,500 RP redeemable per month/cycle |
| Lifetime-free | Yes | Yes |
| Network | Visa / RuPay | Visa |
| Eligibility | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) | Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published |
| Best for | A no-fee everyday rewards card with points that never expire. | Someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. |
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
IndusInd Bank Platinum Aura Edge Credit Card
- 4 RP/₹100 on your chosen plan category (Shop/Home/Travel/Party), 0.5 RP/₹100 elsewhere; 1 RP = ₹0.40 (cash), max 2,500 RP/cycle redeemable
- 1% fuel surcharge waiver on fuel spends of approx ₹400 to ₹4,000 (capped approx ₹100/cycle)
- No joining fee and no annual fee ever (lifetime free); complimentary air accident insurance up to ₹25 lakh
IDFC FIRST Millennia Credit Card vs IndusInd Bank Platinum Aura Edge Credit Card — FAQs
Neither is universally better. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. IndusInd Bank Platinum Aura Edge Credit Card suits someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. 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, IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever. whereas IndusInd Bank Platinum Aura Edge Credit Card gives lifetime-free card earning 4 reward points per ₹100 (8x the 0.5 rp base) on your chosen plan category
IDFC FIRST Millennia Credit Card: Nil — lifetime-free. IndusInd Bank Platinum Aura Edge Credit Card: ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed). 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.