IDFC FIRST Millennia vs IndusInd Bank Duo
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 5.7/10.
| Feature | IDFC FIRST Millennia | IndusInd Bank Duo |
|---|---|---|
| CardTrail Score | 6.6/10 | 5.7/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 0.5% | 0.33% |
| Max Reward Rate | 5% | 1.5% |
| Forex Markup | 3.5% | 2% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose IDFC FIRST Millennia
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 5% vs 1.5%
- Your primary spend is: rewards, cashback
When to Choose IndusInd Bank Duo
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- Your primary spend is: general, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: IDFC FIRST Millennia costs ₹4,130 in forex fees vs IndusInd Bank Duo at ₹2,360. You save ₹1,770/year with IndusInd Bank Duo.