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?

HSBC Cashback Credit Card leads with an estimated ₹7,941/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.

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

HSBC Cashback Credit Card vs ICICI Sapphiro Credit Card vs IDFC FIRST Millennia Credit Card

Honest side-by-side comparison of HSBC Cashback Credit Card, ICICI Sapphiro Credit Card, 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹3,229/yr.

HSBC Cashback Credit Card vs ICICI Sapphiro Credit Card vs IDFC FIRST Millennia Credit Card comparison table
Feature	HSBC Cashback Credit Card HSBC	ICICI Sapphiro Credit Card ICICI Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank
Annual fee	₹999	₹3,500	₹0
Min income (monthly)	₹40,000	₹75,000	₹20,000
Top reward rate	10%	4 RP/₹100	3%
Net annual value (moderate spend)	₹7,941/yr	₹3,556/yr	₹4,712/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹4,000	—

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?: HSBC Cashback Credit Card leads with an estimated ₹7,941/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.
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	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI 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	₹999	₹3,500	₹0
Min income	₹40,000	₹75,000	₹20,000
Top reward rate	10%	4 RP/₹100	3%
Net value (moderate)	₹7,941/yr	₹3,556/yr	₹4,712/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹4,000	—

HSBC Cashback Credit Card details →ICICI Sapphiro Credit Card details →IDFC FIRST Millennia Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Cashback Credit Card comparisons