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?

SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI BPCL Octane 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 SBI BPCL Octane

Honest side-by-side comparison of HDFC Millennia Credit Card, IDFC Ashva Gold (FD), SBI BPCL Octane — 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of HDFC Millennia Credit Card by about ₹740/yr.

HDFC Millennia Credit Card vs IDFC Ashva Gold (FD) vs SBI BPCL Octane comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	SBI BPCL Octane SBI Card
Annual fee	₹1,000	₹0	₹1,499
Min income (monthly)	₹35,000	Not stated	₹30,000
Top reward rate	5%	2X reward points	25X points
Net annual value (moderate spend)	₹8,830/yr	₹1,600/yr	₹9,570/yr
Secured / FD-backed	No	Yes	No
Signup bonus	₹1,000	—	₹6,000

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?: SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI BPCL Octane 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	SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card
Annual fee	₹1,000	₹0	₹1,499
Min income	₹35,000	Not stated	₹30,000
Top reward rate	5%	2X reward points	25X points
Net value (moderate)	₹8,830/yr	₹1,600/yr	₹9,570/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹1,000	—	₹6,000

HDFC Millennia Credit Card details →IDFC Ashva Gold (FD) details →SBI BPCL Octane details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Millennia Credit Card comparisons