Side-by-side · honest numbers
HDFC Diners Club Black Metal vs IDFC FIRST Millennia Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, IDFC FIRST Millennia Credit Card, IRCTC ICICI Bank 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 IRCTC ICICI Bank Credit Card by about ₹3,649/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹0 | ₹0 |
| Min income (monthly) | ₹1,50,000 | ₹20,000 | ₹20,000 |
| Top reward rate | 10X points | 3% | 10% reward points |
| Net annual value (moderate spend) | -₹5,617/yr | ₹4,712/yr | ₹1,063/yr |
| Secured / FD-backed | No | No | No |
| 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
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Your adjusted comparison
| Feature | HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal 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 | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹0 | ₹0 |
| Min income | ₹1,50,000 | ₹20,000 | ₹20,000 |
| Top reward rate | 10X points | 3% | 10% reward points |
| Net value (moderate) | -₹5,617/yr | ₹4,712/yr | ₹1,063/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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