IDFC FIRST Millennia Credit Card vs RBL Bank Play Credit Card
How IDFC FIRST Millennia Credit Card and RBL Bank Play 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 RBL Bank Play Credit Card carries a fee (₹500 + GST joining and annual fee (annual fee waived on ₹1.5 lakh annual spend; free for BookMyShow SuperStar members).). If you won't reliably hit RBL Bank Play Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
RBL Bank Play Credit Card — better for frequent bookmyshow users who spend at least ₹5,000/month and want free movie/event tickets rather than general cashback.
Side by side
| IDFC FIRST Millennia Credit CardIDFC FIRST Bank | RBL Bank Play Credit CardRBL Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | ₹500 + GST joining and annual fee (annual fee waived on ₹1.5 lakh annual spend; free for BookMyShow SuperStar members). |
| Reward rate | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire | No general cashback/reward points; benefit is 2 BookMyShow tickets worth up to ₹250 each per month (up to ₹500) on ₹5,000 monthly spend, plus ₹100 F&B discount on movie bookings. |
| Lifetime-free | Yes | No |
| Network | Visa / RuPay | Visa / Mastercard |
| Eligibility | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) | Min age 21 (18 for add-on); stable income required, approx ₹25,000/month net for salaried or ₹3 lakh/year for self-employed (income figures aggregator-sourced, approx). |
| Best for | A no-fee everyday rewards card with points that never expire. | Frequent BookMyShow users who spend at least ₹5,000/month and want free movie/event tickets rather than general cashback. |
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
RBL Bank Play Credit Card
- 2 free BookMyShow tickets up to ₹250 each on ₹5,000 monthly spend (excludes fuel, rent, wallet, insurance, utilities, govt)
- ₹500 welcome benefit on BookMyShow + ₹100 off F&B with movie bookings
- 1% fuel surcharge waiver on transactions of ₹500-4,000 (cap ₹100/month)
IDFC FIRST Millennia Credit Card vs RBL Bank Play Credit Card — FAQs
Neither is universally better. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. RBL Bank Play Credit Card suits frequent bookmyshow users who spend at least ₹5,000/month and want free movie/event tickets rather than general cashback. 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 RBL Bank Play Credit Card carries a fee (₹500 + GST joining and annual fee (annual fee waived on ₹1.5 lakh annual spend; free for BookMyShow SuperStar members).). If you won't reliably hit RBL Bank Play Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep. On rewards, IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever. whereas RBL Bank Play Credit Card gives 2 complimentary movie/non-movie tickets (up to ₹250 each, so up to ₹500/month) on spending ₹5,000 in a billing cycle.
IDFC FIRST Millennia Credit Card is lifetime-free (no fee, ever), while RBL Bank Play Credit Card charges ₹500 + GST joining and annual fee (annual fee waived on ₹1.5 lakh annual spend; free for BookMyShow SuperStar members). (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.