HDFC Millennia vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
HDFC Millennia
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | IDFC First Bank |
| Card Type | Cashback | Rewards |
| Annual Fee | ₹1,000 + GST | Lifetime Free |
| Joining Fee | ₹1,000 + GST | Nil |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 10X reward points on every spend category |
| Best For | Online Shopping | All-Round Rewards |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 500 reward points on first spend |
| Min Income | ₹25,000/month | ₹15,000/month |
| Lounge Access | 8 domestic per year | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
Verdict
Based on rating and overall value, HDFC Millennia ranks highest among your selected cards. It excels at Online Shopping and offers 5% Cashback on Amazon, Flipkart, Swiggy.
Frequently asked questions
Which is better: HDFC Millennia or IDFC First WOW?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. IDFC First WOW is the better fit if your priority is all-round rewards. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and IDFC First WOW?
IDFC First WOW is cheaper to hold at Lifetime Free, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and IDFC First WOW offer airport lounge access?
HDFC Millennia: 8 domestic per year. IDFC First WOW: 6 domestic + 2 international per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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