Side-by-side · honest numbers
HDFC Millennia Credit Card vs IRCTC ICICI Bank Credit Card vs SBI Card MILES
Honest side-by-side comparison of HDFC Millennia Credit Card, IRCTC ICICI Bank Credit Card, SBI Card MILES — 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 Card MILES by about ₹5,540/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | IRCTC ICICI Bank Credit Card ICICI Bank | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | Lifetime free | ₹1,499 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹35,000/mo | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹880/yr | ₹3,290/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Travel | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 5% | 10% reward points | 6X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank 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?
- IRCTC ICICI Bank 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
IRCTC ICICI Bank Credit Card
ICICI Bank
SBI Card MILES
SBI Card
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 | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | Lifetime free | ₹1,499 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹35,000/mo | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹880/yr | ₹3,290/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Travel | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 5% | 10% reward points | 6X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/hdfc-millennia-vs-irctc-icici-vs-sbi-card-milesMore HDFC Millennia Credit Card comparisons
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