Side-by-side · honest numbers
HDFC Millennia Credit Card vs IDFC FIRST Millennia Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, IDFC FIRST Millennia Credit Card, IndusInd Bank Avios Visa Infinite 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 Millennia Credit Card by about ₹4,118/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | Lifetime free | ₹10,000 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹35,000/mo | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹4,712/yr | -₹8,536/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5% | 3% | 5X Avios points |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card 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 Millennia Credit Card lists a minimum monthly income of ₹20,000.
- 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
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
IndusInd Bank Avios Visa Infinite 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 | IDFC FIRST BankGold IDFC FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | Lifetime free | ₹10,000 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹35,000/mo | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹4,712/yr | -₹8,536/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5% | 3% | 5X Avios points |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-millennia-vs-idfc-first-millennia-vs-indusind-aviosMore HDFC Millennia Credit Card comparisons
- HDFC Millennia Credit Card vs 811 Dream Different Credit Card
- HDFC Millennia Credit Card vs AU Altura Credit Card
- HDFC Millennia Credit Card vs AU Zenith Credit Card
- HDFC Millennia Credit Card vs American Express Gold Card
- HDFC Millennia Credit Card vs American Express Platinum Travel Card
- HDFC Millennia Credit Card vs American Express SmartEarn Credit Card
- HDFC Millennia Credit Card vs Amex Membership Rewards CC
- HDFC Millennia Credit Card vs Axis Bank ACE Credit Card
- HDFC Millennia Credit Card vs Axis Bank Airtel Credit Card
- HDFC Millennia Credit Card vs Axis Bank Atlas Credit Card
- HDFC Millennia Credit Card vs Axis Bank Flipkart Credit Card
- HDFC Millennia Credit Card vs Axis Bank Magnus Credit Card