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?

slice credit card lists a minimum monthly income of ₹15,000.

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 TravelOne Credit Card vs IDFC FIRST Millennia Credit Card vs slice credit card

Honest side-by-side comparison of HSBC TravelOne Credit Card, IDFC FIRST Millennia Credit Card, slice 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 slice credit card by about ₹1,202/yr.

HSBC TravelOne Credit Card vs IDFC FIRST Millennia Credit Card vs slice credit card comparison table
Feature	HSBC TravelOne Credit Card HSBC	IDFC FIRST Millennia Credit Card IDFC FIRST Bank	slice credit card Slice
Fees & eligibility
Annual fee	₹4,999	Lifetime free	Lifetime free
Fee waiver threshold	₹12,00,000/yr	Lifetime free	Lifetime free
Min income	₹75,000/mo	₹20,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,549/yr	₹4,712/yr	₹3,510/yr
Online shopping	—	3% cashback → ₹300/mo (₹3,600/yr)	—
Travel	3 pts per ₹150 spend → ₹25/mo (₹300/yr)	—	—
Top reward rate	3X points	3%	Up to 1% cashback
Primary reward cap	No monthly cap published	₹1,000 rewards/mo cap	₹500 eligible spend/mo
Perks & restrictions
Lounge access	Complimentary domestic lounge access · No minimum spend required for lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Rent	Rent · Wallet loads · EMI
Bonuses
Signup bonus	—	—	—

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?: slice credit card lists a minimum monthly income of ₹15,000.
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.

Card 1

HSBC TravelOne Credit Card

HSBC

Card 2

IDFC FIRST Millennia Credit Card

IDFC FIRST Bank

Card 3

slice credit card

Slice

Your adjusted comparison

Feature	HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC	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	SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice
Fees & eligibility
Annual fee	₹4,999	Lifetime free	Lifetime free
Fee waiver threshold	₹12,00,000/yr	Lifetime free	Lifetime free
Min income	₹75,000/mo	₹20,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,549/yr	₹4,712/yr	₹3,510/yr
Online shopping	—	3% cashback → ₹300/mo (₹3,600/yr)	—
Travel	3 pts per ₹150 spend → ₹25/mo (₹300/yr)	—	—
Top reward rate	3X points	3%	Up to 1% cashback
Primary reward cap	No monthly cap published	₹1,000 rewards/mo cap	₹500 eligible spend/mo
Perks & restrictions
Lounge access	Complimentary domestic lounge access · No minimum spend required for lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Rent	Rent · Wallet loads · EMI
Bonuses
Signup bonus	—	—	—

HSBC TravelOne Credit Card details →IDFC FIRST Millennia Credit Card details →slice credit card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC TravelOne Credit Card comparisons