Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, IDFC FIRST WOW Credit Card, 811 Dream Different 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, 811 Dream Different Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹3,618/yr.
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income (monthly) | ₹20,000 | Not stated | ₹20,000 |
| Top reward rate | 3% | 1X reward points | 5% |
| Net annual value (moderate spend) | ₹4,712/yr | ₹800/yr | ₹8,330/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | ₹500 |
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?
- 811 Dream Different Credit Card leads with an estimated ₹8,330/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.
- Which cards are secured (FD-backed)?
- IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.
- 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.
Your adjusted comparison
| Feature | 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 | IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank | Kotak Mahindra BankGold 811 Dream Different Credit Card •••• •••• •••• 4242 Quick facts 811 Dream Different Credit Card Top reward5% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income | ₹20,000 | Not stated | ₹20,000 |
| Top reward rate | 3% | 1X reward points | 5% |
| Net value (moderate) | ₹4,712/yr | ₹800/yr | ₹8,330/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | ₹500 |
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