Robert Jhonus

It depends on your individual financial needs and spending habits. If you are a frequent online shopper and e-wallet user, the IDFC First Millennia credit card may be a better option with its higher rewards points and no joining or annual fee. If you prefer a lower annual fee and don't spend much online, the IDFC First Classic credit card may be a better option with its lower annual fee and higher fuel surcharge waiver limit.