Side-by-side · honest numbers
Axis Bank Neo Credit Card vs IDFC FIRST Millennia Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of Axis Bank Neo Credit Card, IDFC FIRST Millennia Credit Card, SBI SimplyCLICK — 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.
Axis Bank Neo Credit Card
Axis Bank
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | Axis Bank Neo Credit Card Axis Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | Lifetime free | No waiver published |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,020/yr | ₹2,110/yr | ₹911/yr |
| Online shopping | — | — | ₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/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 | 10% off | 3X reward points | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| 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) | None |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Earns: Reward points on eligible spends (3X base, 10X on dining/travel) · cap Points credited per IDFC FIRST reward terms | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
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https://cardhungry.com/in/en/compare/axis-neo-vs-idfc-first-millennia-vs-sbi-simplyclickReference summary
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 Bank Neo Credit Card by about ₹1,090/yr.
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 | Axis Bank Neo Credit Card Axis Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | Lifetime free | No waiver published |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,020/yr | ₹2,110/yr | ₹911/yr |
| Online shopping | — | — | ₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/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 | 10% off | 3X reward points | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| 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) | None |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Earns: Reward points on eligible spends (3X base, 10X on dining/travel) · cap Points credited per IDFC FIRST reward terms | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
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?
- IDFC FIRST Millennia Credit Card leads with an estimated ₹2,110/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.
- 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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