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 YES Bank Marquee Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IDFC FIRST Millennia Credit Card, YES Bank Marquee 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 HDFC MoneyBack+ Credit Card by about ₹4,022/yr.

HDFC MoneyBack+ Credit Card vs IDFC FIRST Millennia Credit Card vs YES Bank Marquee Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank	YES Bank Marquee Credit Card YES Bank
Annual fee	₹500	₹0	₹999
Min income (monthly)	₹20,000	₹20,000	₹40,000
Top reward rate	10X points	3%	4 RP/₹150
Net annual value (moderate spend)	₹690/yr	₹4,712/yr	₹204/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	YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank
Annual fee	₹500	₹0	₹999
Min income	₹20,000	₹20,000	₹40,000
Top reward rate	10X points	3%	4 RP/₹150
Net value (moderate)	₹690/yr	₹4,712/yr	₹204/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →IDFC FIRST Millennia Credit Card details →YES Bank Marquee Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons