Which card has the lower annual fee?

IDFC Ashva Gold (FD) 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?

IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.

Which cards are secured (FD-backed)?

IDFC Ashva Gold (FD) 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.

Side-by-side · honest numbers

HDFC Millennia Credit Card vs IDFC Ashva Gold (FD) vs IDFC FIRST Select Credit Card

Honest side-by-side comparison of HDFC Millennia Credit Card, IDFC Ashva Gold (FD), IDFC FIRST Select 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 IDFC FIRST Select Credit Card by about ₹6,760/yr.

HDFC Millennia Credit Card vs IDFC Ashva Gold (FD) vs IDFC FIRST Select Credit Card comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	IDFC FIRST Select Credit Card IDFC FIRST Bank
Annual fee	₹1,000	₹0	₹0
Min income (monthly)	₹35,000	Not stated	₹30,000
Top reward rate	5%	2X reward points	3X reward points
Net annual value (moderate spend)	₹8,830/yr	₹1,600/yr	₹2,070/yr
Secured / FD-backed	No	Yes	No
Signup bonus	₹1,000	—	—

Frequently asked questions

Which card has the lower annual fee?: IDFC Ashva Gold (FD) 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?: IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.
Which cards are secured (FD-backed)?: IDFC Ashva Gold (FD) 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.

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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	IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank	IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank
Annual fee	₹1,000	₹0	₹0
Min income	₹35,000	Not stated	₹30,000
Top reward rate	5%	2X reward points	3X reward points
Net value (moderate)	₹8,830/yr	₹1,600/yr	₹2,070/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹1,000	—	—

HDFC Millennia Credit Card details →IDFC Ashva Gold (FD) details →IDFC FIRST Select Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Millennia Credit Card comparisons