Side-by-side · honest numbers
HDFC Millennia Credit Card vs HDFC Regalia Gold vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, HDFC Regalia Gold, IDFC FIRST WOW 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, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of HDFC Regalia Gold by about ₹3,274/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | HDFC Regalia Gold HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹1,000 | ₹2,500 | ₹0 |
| Min income (monthly) | ₹35,000 | ₹50,000 | Not stated |
| Top reward rate | 5% | 4 RP/₹150 | 1X reward points |
| Net annual value (moderate spend) | ₹8,830/yr | ₹5,556/yr | ₹800/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | ₹1,000 | ₹2,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST WOW Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.
- Which cards are secured (FD-backed)?
- IDFC FIRST WOW Credit Card 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.
Your adjusted comparison
| Feature | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank | IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹1,000 | ₹2,500 | ₹0 |
| Min income | ₹35,000 | ₹50,000 | Not stated |
| Top reward rate | 5% | 4 RP/₹150 | 1X reward points |
| Net value (moderate) | ₹8,830/yr | ₹5,556/yr | ₹800/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | ₹1,000 | ₹2,500 | — |
More HDFC Millennia Credit Card comparisons
- HDFC Millennia Credit Card vs 811 Dream Different Credit Card
- HDFC Millennia Credit Card vs AU Altura Credit Card
- HDFC Millennia Credit Card vs AU Zenith Credit Card
- HDFC Millennia Credit Card vs American Express Gold Card
- HDFC Millennia Credit Card vs American Express Platinum Travel Card
- HDFC Millennia Credit Card vs Amex Membership Rewards CC
- HDFC Millennia Credit Card vs Axis Bank ACE Credit Card
- HDFC Millennia Credit Card vs Axis Bank Atlas Credit Card
- HDFC Millennia Credit Card vs Axis Bank Flipkart Credit Card
- HDFC Millennia Credit Card vs Axis Bank Magnus Credit Card
- HDFC Millennia Credit Card vs Axis Bank My Zone Credit Card
- HDFC Millennia Credit Card vs Axis Bank Neo Credit Card