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.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit 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

Bajaj Finserv DBS Bank SuperCard vs IDFC FIRST Millennia Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, IDFC FIRST Millennia Credit Card, SBI Card against Fixed Deposit — 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 SBI Card against Fixed Deposit by about ₹2,942/yr.

Bajaj Finserv DBS Bank SuperCard vs IDFC FIRST Millennia Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	Bajaj Finserv DBS Bank SuperCard DBS Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹25,000/mo	₹20,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹180/yr	₹4,712/yr	₹1,770/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	3% cashback → ₹300/mo (₹3,600/yr)	—
Top reward rate	2X reward points	3%	80% of FD value
Primary reward cap	No monthly cap published	₹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	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Rent	Not stated
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.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit 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.

Card 1

Bajaj Finserv DBS Bank SuperCard

DBS Bank

Card 2

IDFC FIRST Millennia Credit Card

IDFC FIRST Bank

Card 3

SBI Card against Fixed Deposit

SBI Card

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	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	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹25,000/mo	₹20,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹180/yr	₹4,712/yr	₹1,770/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	3% cashback → ₹300/mo (₹3,600/yr)	—
Top reward rate	2X reward points	3%	80% of FD value
Primary reward cap	No monthly cap published	₹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	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Rent	Not stated
Bonuses
Signup bonus	—	—	—

Bajaj Finserv DBS Bank SuperCard details →IDFC FIRST Millennia Credit Card details →SBI Card against Fixed Deposit details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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