Side-by-side · honest numbers
American Express Gold Card vs IDFC FIRST Millennia Credit Card vs IndusInd Bank Platinum Credit Card
Honest side-by-side comparison of American Express Gold Card, IDFC FIRST Millennia Credit Card, IndusInd Bank Platinum 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, IDFC FIRST Millennia Credit Card ranks first for estimated net annual value — ahead of American Express Gold Card by about ₹4,142/yr.
| Feature | American Express Gold Card American Express | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹60,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | ₹4,712/yr | -₹20/yr |
| Online shopping | — | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Dining & delivery | 4 pts per ₹150 spend → ₹53/mo (₹640/yr) | — | — |
| Top reward rate | 4X Membership Rewards/₹150 | 3% | 1 reward point/₹150 |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| 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?
- IDFC FIRST Millennia Credit Card leads with an estimated ₹4,712/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.
American Express Gold Card
American Express
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
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 | 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 | IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹60,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | ₹4,712/yr | -₹20/yr |
| Online shopping | — | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Dining & delivery | 4 pts per ₹150 spend → ₹53/mo (₹640/yr) | — | — |
| Top reward rate | 4X Membership Rewards/₹150 | 3% | 1 reward point/₹150 |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
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https://cardhungry.com/in/en/compare/amex-gold-vs-idfc-first-millennia-vs-indusind-platinumMore American Express Gold Card comparisons
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