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| Feature | AU Small Finance Bank AU Bank Zaggle Credit Card | IDFC FIRST Bank IDFC FIRST Millennia Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | IDFC FIRST Bank |
| Network | RuPay | Visa + RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.5% | 0.4% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.5% · zagg.money UPI tiered coins | 1.3% · 10X lifestyle and international rewards |
| International spending | 0.5% | 1.3% · 10X lifestyle and international rewards |
| Travel & hotels | 0.5% · zagg.money UPI tiered coins | 1.3% · 10X lifestyle and international rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Not listed | Approx. ₹25,000/month salaried · ₹25,000/month self-employed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | UPI-first users who are comfortable earning and redeeming Zagg Coins. | First-card users wanting lifetime-free pricing, UPI and simple milestone rewards. |
| Main trade-off | The headline “8% Zagg Coins” means eight coins per ₹100, not 8% cash; four coins equal ₹1. A ₹500 minimum transaction and 2,000-coin statement-cycle cap constrain rewards. | The four lounge visits are railway lounges, not airport lounges. Reward earning stops above the assigned credit limit in a billing cycle, and ₹99 plus tax is charged per point redemption. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
