Which card has the lower annual fee?

Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.

Which card has the lower income requirement?

Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.

Which cards are secured (FD-backed)?

IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Axis Bank Neo Credit Card vs HDFC Millennia Credit Card vs IDFC FIRST WOW Credit Card

Honest side-by-side comparison of Axis Bank Neo Credit Card, HDFC Millennia Credit Card, IDFC FIRST WOW 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, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of Axis Bank Neo Credit Card by about ₹7,030/yr.

Axis Bank Neo Credit Card vs HDFC Millennia Credit Card vs IDFC FIRST WOW Credit Card comparison table
Feature	Axis Bank Neo Credit Card Axis Bank	HDFC Millennia Credit Card HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹0	₹1,000	₹0
Min income (monthly)	₹15,000	₹35,000	Not stated
Top reward rate	10% off	5%	1X reward points
Net annual value (moderate spend)	₹1,800/yr	₹8,830/yr	₹800/yr
Secured / FD-backed	No	No	Yes
Signup bonus	—	₹1,000	—

Frequently asked questions

Which card has the lower annual fee?: Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
Which card has the lower income requirement?: Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.
Which cards are secured (FD-backed)?: IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.
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.

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Your adjusted comparison

Feature	Axis BankClassic Axis Bank Neo Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Neo Credit Card Top reward10% off Annual feeLifetime Free Min income₹15,000/mo Tap to flip back Axis Bank Neo Credit Card Axis Bank	HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank	IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹0	₹1,000	₹0
Min income	₹15,000	₹35,000	Not stated
Top reward rate	10% off	5%	1X reward points
Net value (moderate)	₹1,800/yr	₹8,830/yr	₹800/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	₹1,000	—

Axis Bank Neo Credit Card details →HDFC Millennia Credit Card details →IDFC FIRST WOW Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank Neo Credit Card comparisons