Side-by-side · honest numbers
American Express Gold Card vs HSBC Cashback Credit Card vs IDFC FIRST Millennia Credit Card
Honest side-by-side comparison of American Express Gold Card, HSBC Cashback Credit Card, IDFC FIRST Millennia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹3,229/yr.
| Feature | American Express Gold Card American Express | HSBC Cashback Credit Card HSBC | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹999 | ₹0 |
| Min income (monthly) | ₹60,000 | ₹40,000 | ₹20,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 10% | 3% |
| Net annual value (moderate spend) | ₹570/yr | ₹7,941/yr | ₹4,712/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Millennia Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC | IDFC FIRST BankGold IDFC FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹999 | ₹0 |
| Min income | ₹60,000 | ₹40,000 | ₹20,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 10% | 3% |
| Net value (moderate) | ₹570/yr | ₹7,941/yr | ₹4,712/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | — | — |
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