Which card has the lower annual fee?

ICICI Platinum Chip 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 ₹2,110/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

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

ICICI Platinum Chip vs IDFC FIRST Millennia Credit Card

Honest side-by-side comparison of ICICI Platinum Chip, IDFC FIRST Millennia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

ICICI Platinum Chip

ICICI Bank

Card 2

IDFC FIRST Millennia Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature	ICICI Platinum Chip ICICI Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₹18,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹36/yr	₹2,110/yr
Dining & delivery	—	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel	—	₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Top reward rate	1 RP/₹150	3X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025)
UPI rewards	Not supported (Visa/MC)	Earns: Reward points on eligible spends (3X base, 10X on dining/travel) · cap Points credited per IDFC FIRST reward terms
Key exclusions	EMI · Fuel	EMI · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Platinum Chip details →IDFC FIRST Millennia Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST Millennia Credit Card leads ICICI Platinum Chip by about ₹2,146/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

ICICI Platinum Chip vs IDFC FIRST Millennia Credit Card comparison table
Feature	ICICI Platinum Chip ICICI Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₹18,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹36/yr	₹2,110/yr
Dining & delivery	—	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel	—	₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Top reward rate	1 RP/₹150	3X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025)
UPI rewards	Not supported (Visa/MC)	Earns: Reward points on eligible spends (3X base, 10X on dining/travel) · cap Points credited per IDFC FIRST reward terms
Key exclusions	EMI · Fuel	EMI · Rent
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip 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 ₹2,110/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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