Skip to content
littleden.blogIndependent banking product research for India
Compare
Browse
Explore the researchBanking systems, decision tools and evidence standards.
Product finder
Opens in a new tab.
Head-to-head

YES BANK ACE Credit Card vs IDFC FIRST Millennia Credit Card

Compare YES BANK ACE Credit Card and IDFC FIRST Millennia Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

YES BANK ACE Credit Card vs IDFC FIRST Millennia Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 11, 2026
YES BANKYES BANK ACE Credit Card

Lower-spend online shoppers who want a modest-fee reward card and can naturally clear the ₹50,000 renewal-waiver threshold.

Annual fee
₹499 + applicable GST
Reviewed
September 9, 2026
Evidence
3 issuer sources
Open card research
IDFC FIRST BankIDFC FIRST Millennia Credit Card

Users who prioritize no annual fee and want a mainstream rewards card.

Annual fee
Nil under the current IDFC FIRST Bank schedule of charges.
Reviewed
September 11, 2026
Evidence
3 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

littleden.blog · Comparison research sheet

YES BANK ACE Credit Card vs IDFC FIRST Millennia Credit Card

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/yes-bank-ace-credit-card-vs-idfc-first-millennia/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

YES BANK ACE Credit Card

Annual fee
₹499 + applicable GST
Fee waiver
Spend ₹5,000 within 30 days to waive first-year membership fee; spend ₹50,000 in the card anniversary year to waive the next renewal fee

IDFC FIRST Millennia Credit Card

Annual fee
Nil under the current IDFC FIRST Bank schedule of charges.
Fee waiver
Not applicable: the standard FIRST Millennia card is currently listed with Nil joining and annual fees.
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

YES BANK ACE Credit Card

Reward rules
8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle

Recorded cautions

  • Accelerated online rewards are capped each statement cycle.
  • YES Rewardz value depends on redemption route.
  • Fee waiver should not encourage incremental spending.

IDFC FIRST Millennia Credit Card

Reward rules
3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday under current lifetime-free card guidance.

Recorded cautions

  • Lifetime-free does not mean all card usage is fee-free.
  • Reward structure should be checked against current exclusions.
  • Approval and limit remain bank decisions.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

YES BANK ACE Credit Card

Lounge conditions
Not positioned as a core lounge card in the reviewed YES BANK material
Forex costs
2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
Eligibility
Subject to YES BANK underwriting, documentation and internal eligibility policy

IDFC FIRST Millennia Credit Card

Lounge conditions
4 complimentary railway-lounge visits per quarter under the current lifetime-free card guidance.
Forex costs
3.50% markup under the current IDFC FIRST Bank schedule because Millennia is not listed among the lower-forex exceptions.
Eligibility
Current IDFC FIRST card directory lists annual income above ₹3 lakh; issuance remains subject to the bank’s assessment.
Other maintained comparisons for YES BANK ACE Credit CardOther maintained comparisons for IDFC FIRST Millennia Credit Card
Shared research themes
Beginner & Entry-Level CardsRewards Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Credit-card terms side by side for YES BANK ACE Credit Card and IDFC FIRST Millennia Credit Card
Decision factorYES BANK ACE Credit CardIDFC FIRST Millennia Credit Card
Joining fee₹499 + applicable GSTNil under the current IDFC FIRST Bank schedule of charges.
Annual fee₹499 + applicable GSTNil under the current IDFC FIRST Bank schedule of charges.
Fee waiverSpend ₹5,000 within 30 days to waive first-year membership fee; spend ₹50,000 in the card anniversary year to waive the next renewal feeNot applicable: the standard FIRST Millennia card is currently listed with Nil joining and annual fees.
Rewards8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday under current lifetime-free card guidance.
LoungeNot positioned as a core lounge card in the reviewed YES BANK material4 complimentary railway-lounge visits per quarter under the current lifetime-free card guidance.
Forex markup2.75% foreign-currency conversion charge in the reviewed Schedule of Charges3.50% markup under the current IDFC FIRST Bank schedule because Millennia is not listed among the lower-forex exceptions.
NetworkVisa / Mastercard / RuPay variant as offeredNetwork variant as issued by IDFC FIRST Bank; the reviewed current issuer pages do not identify one mandatory network for every Millennia card.
Eligibility / approvalSubject to YES BANK underwriting, documentation and internal eligibility policyCurrent IDFC FIRST card directory lists annual income above ₹3 lakh; issuance remains subject to the bank’s assessment.
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

YES BANK

YES BANK ACE Credit Card

  • Accelerated online rewards are capped each statement cycle.
  • YES Rewardz value depends on redemption route.
  • Fee waiver should not encourage incremental spending.
IDFC FIRST Bank

IDFC FIRST Millennia Credit Card

  • Lifetime-free does not mean all card usage is fee-free.
  • Reward structure should be checked against current exclusions.
  • Approval and limit remain bank decisions.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

YES BANK

YES BANK ACE Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 9, 2026
Key Fact StatementReward / value termsFee / charge schedule

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
IDFC FIRST Bank

IDFC FIRST Millennia Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Fee / charge scheduleIssuer product pageIssuer product page

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

YES BANK ACE Credit Card

Reviewed September 9, 2026 · 3 attached first-party sources

  1. Key Fact Statementhttps://www.yesbank.in/content/published/api/v1.1/assets/CONT07A77C257C7A4BDD85DB97E51D2B5B8F/native/yesbank_key_fact_statement.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  2. Reward / value termshttps://www.yesbank.in/content/published/api/v1.1/assets/CONT088843DCD7EF4481B44CBD56B307F379/native/yesbank_credit_card_ace_value_chart_nov23.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  3. Fee / charge schedulehttps://www.yesbank.in/content/published/api/v1.1/assets/CONT5AA32E547C774006B79F54E05FE58F9E/native/ybl_soc.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false

IDFC FIRST Millennia Credit Card

Reviewed September 11, 2026 · 3 attached first-party sources

  1. Fee / charge schedulehttps://www.idfcfirstbank.com/credit-card/fees-and-charges
  2. Issuer product pagehttps://www.idfcfirstbank.com/credit-card/lifetime-free-credit-card
  3. Issuer product pagehttps://www.idfcfirstbank.com/credit-card