Which card has the lower annual fee?

IDFC FIRST Millennia Credit Card 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.

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 FIRST Millennia Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IDFC FIRST Millennia Credit Card, Standard Chartered Smart 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 Standard Chartered Smart Card by about ₹981/yr.

HDFC MoneyBack+ Credit Card vs IDFC FIRST Millennia Credit Card vs Standard Chartered Smart Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank	Standard Chartered Smart Card Standard Chartered
Annual fee	₹500	₹0	₹499
Min income (monthly)	₹20,000	₹20,000	₹30,000
Top reward rate	10X points	3%	2% cashback
Net annual value (moderate spend)	₹690/yr	₹4,712/yr	₹3,731/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	—	—

Frequently asked questions

Which card has the lower annual fee?: IDFC FIRST Millennia Credit Card 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.
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 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	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹500	₹0	₹499
Min income	₹20,000	₹20,000	₹30,000
Top reward rate	10X points	3%	2% cashback
Net value (moderate)	₹690/yr	₹4,712/yr	₹3,731/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →IDFC FIRST Millennia Credit Card details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons