Side-by-side · honest numbers
HDFC Millennia Credit Card vs ICICI Sapphiro Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, ICICI Sapphiro Credit Card, Kotak White 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 Sapphiro Credit Card by about ₹5,274/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹3,500 | ₹3,000 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹35,000/mo | ₹75,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹3,556/yr | ₹80/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5% | 4 RP/₹100 | 2X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹1,000 | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
- 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.
- 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 Sapphiro Credit Card
ICICI Bank
Kotak White Credit Card
Kotak Mahindra 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 Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹3,500 | ₹3,000 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹35,000/mo | ₹75,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹3,556/yr | ₹80/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5% | 4 RP/₹100 | 2X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹1,000 | ₹4,000 | — |
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https://cardhungry.com/in/en/compare/hdfc-millennia-vs-icici-sapphiro-vs-kotak-whiteMore HDFC Millennia Credit Card comparisons
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