IDFC First Millennia vs ICICI Manchester United Signature

Compare IDFC First Millennia vs ICICI Manchester United Signature across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IDFC First Millennia has the strongest mix of rewards and low fees in this comparison.

Card 1

IDFC First Millennia

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

Card 2

ICICI Manchester United Signature

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.2

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

ICICI Manchester United Signature - ICICI credit card

Balanced value5.2

icici / MASTERCARD

ICICI Manchester United Signature

Annual

₹2,499

Return

3%

Lounges

6

Forex

3.5%

Card summary

ICICI Manchester United Signature leans reward-led with ₹2,499 annual fee, 3% headline return potential, and 6 lounge access.

Pros

Strong benefit ceiling if you recover the ₹2,499 annual fee.
3% reward rate can outperform flat cashback for loyal users.
6 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
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

Metric

IDFC First Millennia

ICICI Manchester United Signature

Fees

Annual fee

₹999

₹2,499

Joining fee

₹999

₹2,499

Rewards

Cashback rate

1%

1%

Reward rate

3%

3%

Travel

Forex markup

1.99%

3.5%

Domestic lounges

4

4

International lounges

0

2

Benefits

Fuel waiver

Yes

Yes

Dining

Yes

Yes

Movies

Yes

Yes

Eligibility

Minimum income

₹6,00,000

₹6,00,000

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