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IDFC First Millennia vs HSBC Taj

Compare IDFC First Millennia vs HSBC Taj across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IDFC First Millennia leads on reward rate, while HSBC Taj has the lowest annual fee.

Card 1

IDFC First Millennia

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.6

Card 2

HSBC Taj

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.2
IDFC First Millennia - IDFC credit card
Balanced value5.6

idfc / VISA

IDFC First Millennia

Annual

₹999

Return

3%

Lounges

4

Forex

1.99%

Card summary
  • IDFC First Millennia leans reward-led with ₹999 annual fee, 3% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 4 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HSBC Taj - HSBC credit card
No-fee value6.2

hsbc / VISA

HSBC Taj

Annual

₹0

Return

3%

Lounges

6

Forex

2.5%

Card summary
  • HSBC Taj leans travel and lifestyle with ₹0 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • 2.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
Metric
IDFC First Millennia
HSBC Taj
Fees
Annual fee
₹999
₹0
Joining fee
₹999
₹0
Rewards
Cashback rate
1%
0.75%
Reward rate
3%
3%
Travel
Forex markup
1.99%
2.5%
Domestic lounges
4
4
International lounges
0
2
Benefits
Fuel waiver
Yes
No
Dining
Yes
Yes
Movies
Yes
No
Eligibility
Minimum income
₹6,00,000
₹6,00,000

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