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?

HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.

Which card has the lower income requirement?

IDFC FIRST Millennia Credit Card lists a minimum monthly income of ₹20,000.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit 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 Regalia Gold vs IDFC FIRST Millennia Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of HDFC Regalia Gold, IDFC FIRST Millennia Credit Card, SBI Card against Fixed Deposit — 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 Regalia Gold ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹844/yr.

HDFC Regalia Gold vs IDFC FIRST Millennia Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	HDFC Regalia Gold HDFC Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹2,500	₹0	₹0
Min income (monthly)	₹50,000	₹20,000	Not stated
Top reward rate	4 RP/₹150	3%	80% of FD value
Net annual value (moderate spend)	₹5,556/yr	₹4,712/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	₹2,500	—	—

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?: HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
Which card has the lower income requirement?: IDFC FIRST Millennia Credit Card lists a minimum monthly income of ₹20,000.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit 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 BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold 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	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Annual fee	₹2,500	₹0	₹0
Min income	₹50,000	₹20,000	Not stated
Top reward rate	4 RP/₹150	3%	80% of FD value
Net value (moderate)	₹5,556/yr	₹4,712/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	₹2,500	—	—

HDFC Regalia Gold details →IDFC FIRST Millennia Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons