IDFC FIRST Millennia Credit Card vs RBL Bank ShopRite Credit Card
How IDFC FIRST Millennia Credit Card and RBL Bank ShopRite 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 ShopRite Credit Card carries a fee (Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend)). If you won't reliably hit RBL Bank ShopRite 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 ShopRite Credit Card — better for households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page).
Side by side
| IDFC FIRST Millennia Credit CardIDFC FIRST Bank | RBL Bank ShopRite Credit CardRBL Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) |
| Reward rate | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire | 20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25 |
| Lifetime-free | Yes | No |
| Network | Visa / RuPay | Visa / Mastercard / RuPay |
| Eligibility | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) |
| Best for | A no-fee everyday rewards card with points that never expire. | Households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite RBL listing it on its LTF page). |
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 ShopRite Credit Card
- 20 RP per ₹100 on grocery (cap 1,000 RP/month); 1 RP per ₹100 on other spends
- 1% fuel surcharge waiver on transactions ₹500-₹4,000 (max ₹100/month)
- 10% off on BookMyShow movie tickets (max ₹100, up to 15 times/year) + 2,000 RP welcome bonus on first txn within 30 days
IDFC FIRST Millennia Credit Card vs RBL Bank ShopRite 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 ShopRite Credit Card suits households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page). 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 ShopRite Credit Card carries a fee (Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend)). If you won't reliably hit RBL Bank ShopRite 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 ShopRite Credit Card gives 20 reward points per ₹100 on grocery spends (capped at 1,000 rp/month, i.e. ~₹250/month value at 1 rp = ₹0.25)
IDFC FIRST Millennia Credit Card is lifetime-free (no fee, ever), while RBL Bank ShopRite Credit Card charges Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) (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.