Side-by-side · honest numbers
HDFC Millennia Credit Card vs IDFC FIRST WOW Credit Card vs Kotak Royale Signature Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, IDFC FIRST WOW Credit Card, Kotak Royale Signature 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 WOW Credit Card by about ₹8,030/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | Lifetime free | ₹999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | Waived at ₹1,00,000/yr spend |
| Min income | ₹35,000/mo | Not stated | ₹25,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹800/yr | ₹140/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Top reward rate | 5% | 1X reward points | 2X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | Not stated | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | — |
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?
- Kotak Royale Signature Credit Card lists a minimum monthly income of ₹25,000.
- 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.
HDFC Millennia Credit Card
HDFC Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
Kotak Royale Signature Credit Card
Kotak Mahindra 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 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 BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | Lifetime free | ₹999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | Waived at ₹1,00,000/yr spend |
| Min income | ₹35,000/mo | Not stated | ₹25,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹800/yr | ₹140/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Top reward rate | 5% | 1X reward points | 2X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | Not stated | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-millennia-vs-idfc-first-wow-vs-kotak-royaleMore HDFC Millennia Credit Card comparisons
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