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HDFC Millennia Credit Card vs IDFC FIRST Select Credit Card

Honest side-by-side comparison of HDFC Millennia Credit Card, IDFC FIRST Select Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC Millennia Credit Card

HDFC Bank

IDFC FIRST Select Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature
HDFC Millennia Credit Card

HDFC Millennia Credit Card

HDFC Bank

IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹1,000Lifetime free
Fee waiver thresholdWaived at ₹1,00,000/yr spendLifetime free
Min income₹35,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,300/yr₹1,381/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo—
Top reward rate5%3X reward points
Primary reward cap₹1,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessMilestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · GovernmentEMI · Rent
Bonuses
Signup bonus₹1,000—

Stack mode (hold both)

Cap-aware split: ~₹6,391/yr combined NAV (₹91 vs best solo). Both annual fees apply.

HDFC Millennia Credit Card details →IDFC FIRST Select Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Millennia Credit Card leads IDFC FIRST Select Credit Card by about ₹4,919/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Millennia Credit Card vs IDFC FIRST Select Credit Card comparison table
FeatureHDFC Millennia Credit Card

HDFC Bank

IDFC FIRST Select Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹1,000Lifetime free
Fee waiver thresholdWaived at ₹1,00,000/yr spendLifetime free
Min income₹35,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,300/yr₹1,381/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo—
Top reward rate5%3X reward points
Primary reward cap₹1,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessMilestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · GovernmentEMI · Rent
Bonuses
Signup bonus₹1,000—

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Select 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 ₹6,300/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.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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