Side-by-side · honest numbers
HDFC Millennia Credit Card vs ICICI Bank MakeMyTrip Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, ICICI Bank MakeMyTrip Credit Card, 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 ICICI Bank MakeMyTrip Credit Card by about ₹4,930/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | ICICI Bank MakeMyTrip Credit Card ICICI Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹999 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹35,000/mo | ₹35,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹3,900/yr | ₹800/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Travel | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — |
| Top reward rate | 5% | 10X reward points | 1X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | |||
| Signup bonus | ₹1,000 | ₹1,500 | — |
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.
HDFC Millennia Credit Card
HDFC Bank
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
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 | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹999 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹35,000/mo | ₹35,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹3,900/yr | ₹800/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Travel | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — |
| Top reward rate | 5% | 10X reward points | 1X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | |||
| Signup bonus | ₹1,000 | ₹1,500 | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-millennia-vs-icici-makemytrip-vs-idfc-first-wowMore 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 American Express SmartEarn Credit 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 Airtel 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