Side-by-side · honest numbers
American Express SmartEarn Credit Card vs IDFC FIRST Millennia Credit Card
Honest side-by-side comparison of American Express SmartEarn Credit Card, IDFC FIRST Millennia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
American Express SmartEarn Credit Card
American Express
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | American Express SmartEarn Credit Card American Express | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹495 | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,880/yr | ₹2,110/yr |
| Online shopping | ₹8,000 → 1,600 pts/mo × ₹0.25/pt = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | — |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Travel | — | ₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) |
| Top reward rate | 10X Membership Rewards | 3X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025) |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends (3X base, 10X on dining/travel) · cap Points credited per IDFC FIRST reward terms |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹6,790/yr combined NAV (₹910 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-idfc-first-millenniaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express SmartEarn Credit Card leads IDFC FIRST Millennia Credit Card by about ₹3,770/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | American Express SmartEarn Credit Card American Express | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹495 | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,880/yr | ₹2,110/yr |
| Online shopping | ₹8,000 → 1,600 pts/mo × ₹0.25/pt = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | — |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Travel | — | ₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) |
| Top reward rate | 10X Membership Rewards | 3X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025) |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends (3X base, 10X on dining/travel) · cap Points credited per IDFC FIRST reward terms |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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?
- American Express SmartEarn Credit Card leads with an estimated ₹5,880/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.
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