Side-by-side · honest numbers
HDFC Millennia Credit Card vs ICICI Platinum Chip vs IndusInd Bank Tiger Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, ICICI Platinum Chip, IndusInd Bank Tiger 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 IndusInd Bank Tiger Credit Card by about ₹8,850/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | ICICI Platinum Chip ICICI Bank | IndusInd Bank Tiger Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹35,000/mo | ₹18,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | -₹142/yr | -₹20/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Top reward rate | 5% | 1 RP/₹150 | 1 reward point/₹150 |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Platinum Chip 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?
- ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
- 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
Change spend profile or swap cards — results update live below.
HDFC Millennia Credit Card
HDFC Bank
ICICI Platinum Chip
ICICI Bank
IndusInd Bank Tiger Credit Card
IndusInd 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 BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI Bank | IndusInd BankGold IndusInd Bank Tiger Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Tiger Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Tiger Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹35,000/mo | ₹18,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | -₹142/yr | -₹20/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Top reward rate | 5% | 1 RP/₹150 | 1 reward point/₹150 |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-millennia-vs-icici-platinum-chip-vs-indusind-tigerMore HDFC Millennia Credit Card comparisons
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