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IDFC First Bank · IDFC First Bank
First Millennia vs First Classic
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
47composite score
95% rule confidence
95% rule confidence
Winner
47composite score
95% rule confidence
95% rule confidence
Annual fee
Lifetime free
Lifetime free
Network
Visa
Visa
Base reward rate
1%
1%
Min. income (monthly)
₹20,000
₹15,000
Min. credit score
700+
650+
Best for
Online shopping
Online shopping
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Too close to call on paper.
- Both cards land in similar territory. Pick by the category you spend most on.
Composite score
First Millennia47
First Classic47
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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