IDFC FIRST Millennia vs YES Prosperity Rewards Plus
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 5.3/10.
| Feature | IDFC FIRST Millennia | YES Prosperity Rewards Plus |
|---|---|---|
| CardTrail Score | 6.6/10 | 5.3/10 |
| Annual Fee | Free | ₹499 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 5% | 1% |
| Forex Markup | 3.5% | 2.75% |
| 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%
- Your primary spend is: rewards, cashback
When to Choose YES Prosperity Rewards Plus
- You can meet the fee waiver condition: Spend ₹1L/year
- You travel internationally — saves ₹750/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 YES Prosperity Rewards Plus at ₹3,245. You save ₹885/year with YES Prosperity Rewards Plus.
Annual Fee Value Analysis
To break even on YES Prosperity Rewards Plus's ₹499 fee at 0.5% rewards, spend ₹8,317/month.
IDFC FIRST Millennia is lifetime free — no break-even needed.