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?

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.

Side-by-side · honest numbers

Bajaj Finserv DBS Bank SuperCard vs Bajaj Finserv RBL Bank SuperCard vs IDFC FIRST Millennia Credit Card

Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, Bajaj Finserv RBL Bank SuperCard, 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 Bajaj Finserv DBS Bank SuperCard by about ₹4,532/yr.

Bajaj Finserv DBS Bank SuperCard vs Bajaj Finserv RBL Bank SuperCard vs IDFC FIRST Millennia Credit Card comparison table
Feature	Bajaj Finserv DBS Bank SuperCard DBS Bank	Bajaj Finserv RBL Bank SuperCard RBL Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹999	₹999	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Lifetime free
Min income	₹25,000/mo	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	-₹739/yr	₹4,712/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	3% cashback → ₹300/mo (₹3,600/yr)
Top reward rate	2X reward points	2X points/₹150	3%
Primary reward cap	No monthly cap published	No monthly cap published	₹1,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap
Key exclusions	EMI · Fuel · Rent	EMI interest · Cash advance	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?: 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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

Bajaj Finserv DBS Bank SuperCard

DBS Bank

Card 2

Bajaj Finserv RBL Bank SuperCard

RBL Bank

Card 3

IDFC FIRST Millennia Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature	DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank	RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL 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
Fees & eligibility
Annual fee	₹999	₹999	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Lifetime free
Min income	₹25,000/mo	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	-₹739/yr	₹4,712/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	3% cashback → ₹300/mo (₹3,600/yr)
Top reward rate	2X reward points	2X points/₹150	3%
Primary reward cap	No monthly cap published	No monthly cap published	₹1,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap
Key exclusions	EMI · Fuel · Rent	EMI interest · Cash advance	EMI · Rent
Bonuses
Signup bonus	—	—	—

Bajaj Finserv DBS Bank SuperCard details →Bajaj Finserv RBL Bank SuperCard details →IDFC FIRST Millennia Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv DBS Bank SuperCard comparisons