Head-to-head · 🇮🇳 India
HDFC Millennia vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 3 of 10
IN
IDFC FIRST Bank
IDFC FIRST Wow
VISA
Wins 5 of 10
Verdict
IDFC FIRST Wow wins 5-3. Secured card backed by FD — accessible to thin-credit-file applicants. HDFC Millennia is still the right call if online shoppers spending ₹15k–50k/month.
Side-by-side
| Criterion | HDFC Millennia | IDFC FIRST Wow |
|---|---|---|
| Annual fee | · ₹1,000 | No annual fee |
| Joining fee | · ₹1,000 | None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | · ₹420,000 | — |
| Min credit score | · 750 | 600 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›HDFC Millennia vs IDFC FIRST Wow: which is better?
IDFC FIRST Wow wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, IDFC FIRST Wow for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.