Side-by-side · honest numbers
Axis IOCL Credit Card vs HDFC MoneyBack+ Credit Card vs IDFC FIRST Millennia Credit Card
Honest side-by-side comparison of Axis IOCL Credit Card, HDFC MoneyBack+ 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, IDFC FIRST Millennia Credit Card ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹3,346/yr.
| Feature | Axis IOCL Credit Card Axis Bank | HDFC MoneyBack+ Credit Card HDFC Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹500 | ₹500 | ₹0 |
| Min income (monthly) | ₹25,000 | ₹20,000 | ₹20,000 |
| Top reward rate | 20 Edge Miles/₹100 | 10X points | 3% |
| Net annual value (moderate spend) | ₹1,366/yr | ₹690/yr | ₹4,712/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ₹500 | — |
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?
- HDFC MoneyBack+ 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 | Axis BankGold Axis IOCL Credit Card •••• •••• •••• 4242 Quick facts Axis IOCL Credit Card Top reward20 Edge Miles/₹100 Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis IOCL Credit Card Axis Bank | HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank | 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 | ₹500 | ₹500 | ₹0 |
| Min income | ₹25,000 | ₹20,000 | ₹20,000 |
| Top reward rate | 20 Edge Miles/₹100 | 10X points | 3% |
| Net value (moderate) | ₹1,366/yr | ₹690/yr | ₹4,712/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ₹500 | — |
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