Side-by-side · honest numbers
ICICI Bank MakeMyTrip Credit Card vs IDFC FIRST Millennia Credit Card vs SBI Card PRIME
Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, IDFC FIRST Millennia Credit Card, SBI Card PRIME — 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 ICICI Bank MakeMyTrip Credit Card by about ₹812/yr.
| Feature | ICICI Bank MakeMyTrip Credit Card ICICI Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | ₹2,999 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | ₹5,00,000/yr |
| Min income | ₹35,000/mo | ₹20,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,900/yr | ₹4,712/yr | ₹1,501/yr |
| Online shopping | — | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Travel | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 10X reward points | 3% | 4X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹1,500 | — | ₹3,000 |
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?
- 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?
- 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.
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip 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 | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | ₹2,999 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | ₹5,00,000/yr |
| Min income | ₹35,000/mo | ₹20,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,900/yr | ₹4,712/yr | ₹1,501/yr |
| Online shopping | — | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Travel | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 10X reward points | 3% | 4X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹1,500 | — | ₹3,000 |
Share this comparison
https://cardhungry.com/in/en/compare/icici-makemytrip-vs-idfc-first-millennia-vs-sbi-primeMore ICICI Bank MakeMyTrip Credit Card comparisons
- ICICI Bank MakeMyTrip Credit Card vs 811 Dream Different Credit Card
- ICICI Bank MakeMyTrip Credit Card vs AU Altura Credit Card
- ICICI Bank MakeMyTrip Credit Card vs AU Zenith Credit Card
- ICICI Bank MakeMyTrip Credit Card vs American Express Gold Card
- ICICI Bank MakeMyTrip Credit Card vs American Express Platinum Travel Card
- ICICI Bank MakeMyTrip Credit Card vs American Express SmartEarn Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Amex Membership Rewards CC
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank ACE Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Airtel Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Atlas Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Flipkart Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Magnus Credit Card