Side-by-side · honest numbers
HDFC Millennia Credit Card vs IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, IDFC FIRST WOW Credit Card, 811 Dream Different 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 811 Dream Different Credit Card by about ₹500/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Annual fee | ₹1,000 | ₹0 | ₹0 |
| Min income (monthly) | ₹35,000 | Not stated | ₹20,000 |
| Top reward rate | 5% | 1X reward points | 5% |
| Net annual value (moderate spend) | ₹8,830/yr | ₹800/yr | ₹8,330/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | ₹1,000 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST WOW 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?
- 811 Dream Different Credit Card lists a minimum monthly income of ₹20,000.
- Which cards are secured (FD-backed)?
- IDFC FIRST WOW Credit Card 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 BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank | Kotak Mahindra BankGold 811 Dream Different Credit Card •••• •••• •••• 4242 Quick facts 811 Dream Different Credit Card Top reward5% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Annual fee | ₹1,000 | ₹0 | ₹0 |
| Min income | ₹35,000 | Not stated | ₹20,000 |
| Top reward rate | 5% | 1X reward points | 5% |
| Net value (moderate) | ₹8,830/yr | ₹800/yr | ₹8,330/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | ₹1,000 | — | ₹500 |
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