AU Bank LIT Credit Card vs IDFC FIRST Millennia Credit Card
Verify differences in joining fees, waivers, reward structures, lounge access frequencies, and foreign transaction charges to pick your match.
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AU Small Finance Bank
AU LIT
Cardmember
CARD COMPARE MEMBER
AU Bank LIT Credit Card
Verified: 6 June 2026
IDFC FIRST Bank
IDFC FIRST Millennia
Cardmember
CARD COMPARE MEMBER
IDFC FIRST Millennia Credit Card
Verified: 7 June 2026
| Feature / Parameter | AU Bank LIT Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| Bank | AU Small Finance Bank | IDFC FIRST Bank |
| Best For | Customizable | Lifetime Free |
| Joining Fee | ₹0 (Free) | ₹0 (Free) |
| Annual Fee | ₹0 (Free) | ₹0 (Free) |
| Renewal Waiver | Lifetime Free base card. Individual features can be activated on subscription basis. | Lifetime Free credit card. No annual fee or spending condition. |
| Cashback & Reward Rate | Base reward rate of 1 Reward Point per ₹100 spent. Boost reward rates by activating subscription modules: e.g., 5% cashback on groceries/dining, 10X points on online spends. | 3X reward points on offline spends. 6X reward points on online spends. 10X reward points on incremental spends above ₹20,000 per month. 10X rewards on birthday spends. (1X = 1 point per ₹150 spent. Point value = ₹0.25). |
| Lounge Access | Customizable. Add complimentary domestic lounge access visits for specific quarters through a subscription fee. | 4 complimentary domestic airport lounge visits per calendar year, subject to monthly card spends of ₹20,000+. |
| Forex Markup Fee | 3.49% of the transaction value (can be customized lower for international trips). Best: Lower foreign transaction charges | 3.50% of the transaction value. |
| Fuel Benefit | 1% fuel surcharge waiver (can be enabled via customizable fuel features). | 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 (maximum waiver capped at ₹200 per month). |
| Finance Charges | 3.50% per month (42% per annum). | Dynamic interest rate ranging from 9% to 42% per annum (0.75% to 3.5% per month) based on user credit history. |
| Eligibility | Available to salaried and self-employed customers. Standard income requirement: ₹20,000+ monthly. Age: 21 to 60 years. | Salaried or self-employed with salary above ₹25,000. Minimum credit history score of 730+. Age: 21 to 65 years. |
Choose AU Bank LIT Credit Card if...
- You want a lifetime-free card with ₹0 joining and ₹0 annual fee forever.
- You prefer direct statement cashback over reward points catalog redemptions.
- You spend internationally and need a lower foreign currency markup fee (3.49% of the transaction value (can be customized lower for international trips).).
Choose IDFC FIRST Millennia Credit Card if...
- You want a lifetime-free card with ₹0 joining and ₹0 annual fee forever.
- Your spending habits are concentrated heavily on Lifetime Free transactions.
- You easily hit the annual waiver spending target: Lifetime Free credit card. No annual fee or spending condition.
AAU Bank LIT Credit Card Highlights
Pros
- Completely unique customizable concept—pay only for the benefits you actively use.
- No charges on the base card, meaning it remains lifetime-free if no features are active.
- Ability to activate and deactivate perks like travel lounge and shopping cashback on the fly via app.
Cons / Limitations
- Subscriptions for multiple individual perks can make it more expensive than flat-rate cards.
- Base features (without paid add-ons) offer extremely low reward value.
- Perks require active management and monitoring within the bank's mobile application.
BIDFC FIRST Millennia Credit Card Highlights
Pros
- Zero joining and annual fees for life.
- Reward points never expire and there is no cap on total points earned.
- Dynamic low interest rate model starting from just 9% per annum.
Cons / Limitations
- Complimentary lounge access is restricted and requires ₹20,000 spends in the previous month.
- Base offline reward rate is low (approx 0.5% return value).
- High reward rates (10X) only apply on spending amounts that cross ₹20,000 in a month.
CardCompare India Editorial Verdict
Both cards offer excellent value in their respective segments. If you prefer lower annual fees, AU Bank LIT Credit Card is the clear choice. For travelers, check the Lounge Access and Forex Markup specs above to determine the winner.
Our comparisons are editorially independent. We may earn a commission. Banks verify CIBIL and issue final approvals.Fees, interest rates, reward rates, lounge lists, and eligibility terms are subject to change by issuing banks. CardCompare India is an independent review site and cannot guarantee final card approvals. Review the bank's official Reward Charters and Most Important Terms and Conditions (MITC) before submitting credit applications.