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| Feature | Federal Bank Federal Bank RuPay Signet Credit Card | IDFC FIRST Bank IDFC FIRST Millennia Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Federal Bank | IDFC FIRST Bank |
| Network | RuPay | Visa + RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.1% | 0.4% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.1% · Other eligible rewards | 1.3% · 10X lifestyle and international rewards |
| International spending | 0.1% · Other eligible rewards | 1.3% · 10X lifestyle and international rewards |
| Travel & hotels | 0.1% · Other eligible rewards | 1.3% · 10X lifestyle and international rewards |
| Entertainment & movies | 0.3% · Entertainment rewards | 0.4% · Other eligible 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 | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | Not published | 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 users wanting a no-fee Federal Bank card with occasional category and lounge benefits. | First-card users wanting lifetime-free pricing, UPI and simple milestone rewards. |
| Main trade-off | Federal Bank does not publish one numeric income threshold or product-specific forex markup. Reward redemption starts at 500 points and carries a fee from ₹99; the lounge and Swiggy benefits require ₹20,000 quarterly spend. | 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.
