AU Altura Plus vs IDFC FIRST Millennia
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Millennia Credit Card wins 3 of 8 dimensions with a CardTrail Score of 6.6/10 vs 6.0/10.
| Feature | AU Altura Plus | IDFC FIRST Millennia |
|---|---|---|
| CardTrail Score | 6.0/10 | 6.6/10 |
| Annual Fee | ₹499 | Free |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 3% | 5% |
| Forex Markup | 3.49% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Visa |
When to Choose AU Altura Plus
- You can meet the fee waiver condition: Spend ₹80K/year
- You travel internationally — saves ₹10/year on ₹1L forex spend
- Your primary spend is: rewards, cashback
When to Choose IDFC FIRST Millennia
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: rewards, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU Altura Plus costs ₹4,118 in forex fees vs IDFC FIRST Millennia at ₹4,130. You save ₹12/year with AU Altura Plus.
Annual Fee Value Analysis
To break even on AU Altura Plus's ₹499 fee at 0.5% rewards, spend ₹8,317/month.
IDFC FIRST Millennia is lifetime free — no break-even needed.