Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs IDFC FIRST Millennia Credit Card vs RBL Bank ShopRite
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, IDFC FIRST Millennia Credit Card, RBL Bank ShopRite — 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 Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹718/yr.
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income (monthly) | ₹15,000 | ₹20,000 | ₹15,000 |
| Top reward rate | 5% cashback | 3% | 5% on first ₹1,000/mo |
| Net annual value (moderate spend) | ₹5,430/yr | ₹4,712/yr | ₹460/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback 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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Your adjusted comparison
| Feature | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback 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 | RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income | ₹15,000 | ₹20,000 | ₹15,000 |
| Top reward rate | 5% cashback | 3% | 5% on first ₹1,000/mo |
| Net value (moderate) | ₹5,430/yr | ₹4,712/yr | ₹460/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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