Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs SBI SimplySAVE
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, IDFC FIRST HPCL Power+ Credit Card, SBI SimplySAVE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
SBI SimplySAVE
SBI Card
Your adjusted comparison
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,50,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,970/yr | ₹2,376/yr | ₹1,650/yr |
| Groceries (offline) | — | ₹5,000 → 1,000 pts/mo × ₹0.25/pt = ₹50/mo (capped) (₹600/yr) · cap reached | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Fuel | — | ₹900 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) · issuer max ₹12,000/mo | — |
| Travel | ₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) | — | — |
| Utilities & bills | ₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr) | ₹3,500 → 700 pts/mo × ₹0.25/pt = ₹50/mo (capped) (₹600/yr) · cap reached | — |
| Top reward rate | 10X from first txn | 30 pts/₹150 (5%) | 10 RP/₹150 (1.7%) |
| Primary reward cap | No monthly cap published | ₹12,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025) | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month | None |
| UPI rewards | Earns: UPI 1X on txns ≤₹2,000 and 3X above ₹2,000 — modeled at 1X; 10X dining/travel, 3X other · cap Points credited per IDFC FIRST reward terms | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per IDFC FIRST MITC | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Rent | EMI · Rent · Wallet · Insurance | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹500 |
IDFC FIRST Millennia Credit Card details →IDFC FIRST HPCL Power+ Credit Card details →SBI SimplySAVE details →
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https://cardhungry.com/in/en/compare/idfc-first-millennia-vs-idfc-hpcl-power-plus-vs-sbi-simplysaveReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST HPCL Power+ Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹406/yr.
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
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,50,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,970/yr | ₹2,376/yr | ₹1,650/yr |
| Groceries (offline) | — | ₹5,000 → 1,000 pts/mo × ₹0.25/pt = ₹50/mo (capped) (₹600/yr) · cap reached | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Fuel | — | ₹900 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) · issuer max ₹12,000/mo | — |
| Travel | ₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) | — | — |
| Utilities & bills | ₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr) | ₹3,500 → 700 pts/mo × ₹0.25/pt = ₹50/mo (capped) (₹600/yr) · cap reached | — |
| Top reward rate | 10X from first txn | 30 pts/₹150 (5%) | 10 RP/₹150 (1.7%) |
| Primary reward cap | No monthly cap published | ₹12,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025) | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month | None |
| UPI rewards | Earns: UPI 1X on txns ≤₹2,000 and 3X above ₹2,000 — modeled at 1X; 10X dining/travel, 3X other · cap Points credited per IDFC FIRST reward terms | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per IDFC FIRST MITC | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Rent | EMI · Rent · Wallet · Insurance | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹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?
- IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹2,376/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE 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.
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