Which card has the lower annual fee?

IDFC Ashva Gold (FD) has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

IDFC FIRST Millennia Credit Card leads with an estimated ₹4,712/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.

Which cards are secured (FD-backed)?

IDFC Ashva Gold (FD) 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.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs IDFC Ashva Gold (FD) vs IDFC FIRST Millennia Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IDFC Ashva Gold (FD), IDFC FIRST Millennia 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, IDFC FIRST Millennia Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹3,112/yr.

HDFC MoneyBack+ Credit Card vs IDFC Ashva Gold (FD) vs IDFC FIRST Millennia Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank
Annual fee	₹500	₹0	₹0
Min income (monthly)	₹20,000	Not stated	₹20,000
Top reward rate	10X points	2X reward points	3%
Net annual value (moderate spend)	₹690/yr	₹1,600/yr	₹4,712/yr
Secured / FD-backed	No	Yes	No
Signup bonus	₹500	—	—

Frequently asked questions

Which card has the lower annual fee?: IDFC Ashva Gold (FD) has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: IDFC FIRST Millennia Credit Card leads with an estimated ₹4,712/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
Which cards are secured (FD-backed)?: IDFC Ashva Gold (FD) 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.

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Your adjusted comparison

Feature	HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank	IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank	IDFC FIRST BankGold IDFC FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank
Annual fee	₹500	₹0	₹0
Min income	₹20,000	Not stated	₹20,000
Top reward rate	10X points	2X reward points	3%
Net value (moderate)	₹690/yr	₹1,600/yr	₹4,712/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →IDFC Ashva Gold (FD) details →IDFC FIRST Millennia Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons