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IDFC First Millennia vs IndusInd EazyDiner

Compare IDFC First Millennia vs IndusInd EazyDiner 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

IndusInd EazyDiner

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.4
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
IndusInd EazyDiner Credit Card
Balanced value4.4

indusind / MASTERCARD

IndusInd EazyDiner

Annual

₹1,500

Return

3%

Lounges

2

Forex

3.5%

Card summary
  • IndusInd EazyDiner leans reward-led with ₹1,500 annual fee, 3% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,500 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 2 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
IndusInd EazyDiner
Fees
Annual fee
₹999
₹1,500
Joining fee
₹999
₹1,500
Rewards
Cashback rate
1%
1%
Reward rate
3%
3%
Travel
Forex markup
1.99%
3.5%
Domestic lounges
4
2
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
No
Eligibility
Minimum income
₹6,00,000
₹5,00,000

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