Idfc First Ashva Credit Card vs Idfc First Millennia Credit Card: Which is Better in 2026?
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The Idfc First Ashva Credit Card offers no notable benefits, while the Idfc First Millennia Credit Card provides a range of rewards and welcome offers. This comparison highlights the key differences in rewards, travel benefits, and overall value for users.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Idfc First Ashva Credit Card | Idfc First Millennia Credit Card |
|---|---|---|
| Bank | IDFC First Bank | IDFC First Bank |
| Network | Visa | Visa |
| Joining fee | — | No Joining Fees |
| Annual / renewal fee | — | No Annual Fee |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | 3X Reward Points Upto Spends Rs.20000 |
| Lounge — domestic | — | 4 Complimentary Railway Lounge Visits Per Quarter |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Gift Voucher Rs.500 on Spending Rs.5000 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Idfc First Millennia Credit Card is significantly better for rewards, offering multiple ways to earn points, including 3X points on spends up to Rs. 20,000 and 10X points on birthdays. In contrast, the Idfc First Ashva Credit Card lacks any rewards program, making it less appealing for those looking to maximize their spending. The welcome gift voucher of Rs. 500 on spending Rs. 5,000 further enhances the rewards aspect of the Millennia card.
Which is better for travel?
For travel benefits, the Idfc First Millennia Credit Card provides four complimentary railway lounge visits per quarter, which can be beneficial for frequent travelers. The Idfc First Ashva Credit Card does not offer any lounge access or travel-related perks, making the Millennia card the clear choice for those who value travel benefits.
Which has lower effective cost?
Both cards have no joining or annual fees, making them accessible options for users. However, the Idfc First Millennia Credit Card does have a forex markup of 3.5% on foreign currency transactions, which is a consideration for international users. The Idfc First Ashva Credit Card does not specify any fees, but the lack of benefits may imply limited value.
Who should pick Idfc First Ashva Credit Card?
Consider Idfc First Ashva Credit Card if you prefer a straightforward card with no fees and do not require rewards or travel benefits. It may suit individuals who want a basic credit card without the complexities of rewards programs.
Who should pick Idfc First Millennia Credit Card?
Consider Idfc First Millennia Credit Card if you are looking for a card that offers rewards on everyday spending and travel perks. Its welcome benefits and multiple reward earning opportunities make it ideal for those who frequently use their credit card for purchases.
Frequently Asked Questions
No, the Idfc First Ashva Credit Card does not offer any rewards or benefits.
The Idfc First Millennia Credit Card offers four complimentary railway lounge visits per quarter.
Both cards have no joining or annual fees, but the Idfc First Millennia Credit Card has a forex markup of 3.5%.
The welcome benefit includes a gift voucher of Rs. 500 on spending Rs. 5,000.