ICICI Bank Coral Credit Card vs IDFC FIRST Millennia Credit Card
Compare ICICI Bank Coral Credit Card, IDFC FIRST Millennia Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
ICICI Bank •••• •••• •••• •••• Credit Card Compare ICICI Bank Coral Credit Card | IDFC FIRST Bank •••• •••• •••• •••• Credit Card Compare IDFC FIRST Millennia Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 42Fair | 62Good Highest |
|---|---|---|
| Airport lounge | 42/100 | – |
| Lifetime free | – | 73/100 |
| Rewards | 34/100 | 39/100Highest |
| Travel | 52/100 | 72/100Highest |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | ICICI Bank reward points | IDFC FIRST Bank Reward Points |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | Not published |
|---|---|---|
| Minimum income | ₹2,40,000 p.a.Lowest | ₹3,00,000 p.a. |
| Residency | Indian citizen over 21 years of age; salaried with a monthly income of ₹20,000 or self-employed with an annual income of ₹2,40,000 | Not published |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 48 daysHighest | Up to 45 days |
|---|---|---|
| Minimum repayment | 5% of (retail spends + cash advance + finance charge) plus GST, EMI principal and interest, fees and charges, any over-limit amount and any unpaid minimum due from the previous statement; where 5% of those amounts is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (ICICI Bank MITC, from 1 March 2026) | MITC: minimum amount due is the sum of EMI, interest (finance charges), fees, other charges and taxes, any amount over the limit, plus 2% of the principal balance outstanding (purchases, cash and balance transfer; 5% for statements before 1 September 2024); if the total amount due is under ₹100 the minimum due is the total amount due |
Rates & fees
Ongoing interest rates
| Purchases | 45.00% p.a.Lowest | 46.20% p.a. |
|---|---|---|
| Cash advances | 45.00% p.a.Lowest | 46.20% p.a. |
Fees
| Annual fee | ₹500 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | ₹199Lowest | ₹499 |
| Cash advance fee | 2.5% of the amount | — |
| Foreign transaction fee | 3.5% | 0%Lowest |
| Late payment fee | ₹1,300 | ₹1,300 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 2 reward points per ₹100 | 3 Reward Points per ₹200 |
|---|---|---|
| Bonus categories | None | 10 Reward Points per ₹200 in bonus categories |
| Other purchases | 1 reward point per ₹100 on other purchases | 1 Reward Point per ₹200 on other purchases |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | 24 months from the date they are credited |
| Estimated annual points | 18,000 ptsWorth ₹4,500Highest | 13,500 ptsWorth ₹3,375 |
Sign-up bonus
| Sign-up bonus | — | — |
|---|---|---|
| Bonus spend required | — | — |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- ICICI BankIDFC FIRST Bank