Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IDFC FIRST Millennia Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC FIRST Millennia Credit Card, IndusInd Bank Avios Visa Infinite 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 ICICI Sapphiro Credit Card by about ₹1,156/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | Lifetime free | ₹10,000 |
| Fee waiver threshold | No waiver published | Lifetime free | No waiver published |
| Min income | ₹75,000/mo | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹4,712/yr | -₹8,536/yr |
| Online shopping | — | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 4 RP/₹100 | 3% | 5X Avios points |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | None | Unlimited lounge access · No minimum spend required for lounge access |
| 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 | EMI · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| 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?
- 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 Sapphiro Credit Card
ICICI Bank
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | 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 | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | Lifetime free | ₹10,000 |
| Fee waiver threshold | No waiver published | Lifetime free | No waiver published |
| Min income | ₹75,000/mo | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹4,712/yr | -₹8,536/yr |
| Online shopping | — | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 4 RP/₹100 | 3% | 5X Avios points |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | None | Unlimited lounge access · No minimum spend required for lounge access |
| 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 | EMI · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/icici-sapphiro-vs-idfc-first-millennia-vs-indusind-aviosMore ICICI Sapphiro Credit Card comparisons
- ICICI Sapphiro Credit Card vs 811 Dream Different Credit Card
- ICICI Sapphiro Credit Card vs AU Altura Credit Card
- ICICI Sapphiro Credit Card vs AU Zenith Credit Card
- ICICI Sapphiro Credit Card vs American Express Gold Card
- ICICI Sapphiro Credit Card vs American Express Platinum Travel Card
- ICICI Sapphiro Credit Card vs American Express SmartEarn Credit Card
- ICICI Sapphiro Credit Card vs Amex Membership Rewards CC
- ICICI Sapphiro Credit Card vs Axis Bank ACE Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Airtel Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Atlas Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Flipkart Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Magnus Credit Card