IDFC FIRST Millennia Credit Card vs Flipkart SBI Card
How IDFC FIRST Millennia Credit Card and Flipkart SBI 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 Flipkart SBI Card carries a fee (₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend)). If you won't reliably hit Flipkart SBI 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.
Flipkart SBI Card — better for regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points.
Side by side
| IDFC FIRST Millennia Credit CardIDFC FIRST Bank | Flipkart SBI CardSBI Card | |
|---|---|---|
| Annual fee | Nil — lifetime-free | ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) |
| Reward rate | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire | 7.5% cashback on Myntra; 5% on Flipkart and Cleartrip; 4% on partner merchants (Uber/Zomato/Netmeds/PVR); 1% on all other eligible spends (uncapped). Each accelerated category has its OWN separate cashback cap of ₹4,000 per quarter (not a shared cap) - i.e. Myntra up to ₹4,000/qtr, Flipkart up to ₹4,000/qtr, Cleartrip up to ₹4,000/qtr, partner merchants up to ₹4,000/qtr. Cashback auto-credited as statement credit (within ~15 days of the statement cycle), no points/redemption. |
| Lifetime-free | Yes | No |
| Network | Visa / RuPay | Visa / Mastercard |
| Eligibility | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) | Age approx 21-70 years; income approx ₹15,000/month salaried or ₹30,000/month self-employed (aggregator-sourced) |
| Best for | A no-fee everyday rewards card with points that never expire. | Regular Flipkart and Myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. |
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
Flipkart SBI Card
- 7.5% cashback on Myntra and 5% on Flipkart/Cleartrip - each category has its own separate cap of ₹4,000/quarter
- 4% cashback on partner merchants - Uber, Zomato, Netmeds, PVR (own ₹4,000/quarter cap); 1% on all other spends (uncapped)
- 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000 (max ₹400/statement cycle); no lounge access
IDFC FIRST Millennia Credit Card vs Flipkart SBI Card — FAQs
Neither is universally better. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. Flipkart SBI Card suits regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. 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 Flipkart SBI Card carries a fee (₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend)). If you won't reliably hit Flipkart SBI 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 Flipkart SBI Card gives 7.5% cashback on myntra and 5% on flipkart and cleartrip (each category cap ₹4,000 per quarter)
IDFC FIRST Millennia Credit Card is lifetime-free (no fee, ever), while Flipkart SBI Card charges ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh 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.