Side-by-side · honest numbers
American Express SmartEarn Credit Card vs IDFC FIRST Millennia Credit Card vs OneCard Metal Credit Card
Honest side-by-side comparison of American Express SmartEarn Credit Card, IDFC FIRST Millennia Credit Card, OneCard Metal 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 OneCard Metal Credit Card by about ₹752/yr.
| Feature | American Express SmartEarn Credit Card American Express | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹4,712/yr | ₹3,960/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Top reward rate | 10X Membership Rewards | 3% | 1% cashback |
| Primary reward cap | ₹500 eligible spend/mo | ₹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 | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | 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?
- 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?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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 SmartEarn Credit Card
American Express
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
Your adjusted comparison
| Feature | American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit 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 | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹4,712/yr | ₹3,960/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Top reward rate | 10X Membership Rewards | 3% | 1% cashback |
| Primary reward cap | ₹500 eligible spend/mo | ₹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 | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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