Side-by-side · honest numbers
HDFC Millennia Credit Card vs IRCTC ICICI Bank Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of HDFC Millennia Credit Card, IRCTC ICICI Bank Credit Card, SBI SimplyCLICK — 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 SimplyCLICK by about ₹7,049/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | IRCTC ICICI Bank Credit Card ICICI Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹1,000 | ₹0 | ₹499 |
| Min income (monthly) | ₹35,000 | ₹20,000 | ₹20,000 |
| Top reward rate | 5% | 10% reward points | 10X points |
| Net annual value (moderate spend) | ₹8,830/yr | ₹1,063/yr | ₹1,781/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹1,000 | — | ₹500 |
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.
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 CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹1,000 | ₹0 | ₹499 |
| Min income | ₹35,000 | ₹20,000 | ₹20,000 |
| Top reward rate | 5% | 10% reward points | 10X points |
| Net value (moderate) | ₹8,830/yr | ₹1,063/yr | ₹1,781/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹1,000 | — | ₹500 |
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