Side-by-side · honest numbers
HDFC Millennia Credit Card vs IDFC Ashva Gold (FD) vs SBI SimplyCLICK
Honest side-by-side comparison of HDFC Millennia Credit Card, IDFC Ashva Gold (FD), SBI SimplyCLICK — 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 SBI SimplyCLICK by about ₹7,049/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹1,000 | ₹0 | ₹499 |
| Min income (monthly) | ₹35,000 | Not stated | ₹20,000 |
| Top reward rate | 5% | 2X reward points | 10X points |
| Net annual value (moderate spend) | ₹8,830/yr | ₹1,600/yr | ₹1,781/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | ₹1,000 | — | ₹500 |
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?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- 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.
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 CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹1,000 | ₹0 | ₹499 |
| Min income | ₹35,000 | Not stated | ₹20,000 |
| Top reward rate | 5% | 2X reward points | 10X points |
| Net value (moderate) | ₹8,830/yr | ₹1,600/yr | ₹1,781/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | ₹1,000 | — | ₹500 |
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