Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs IndusInd Bank Crest Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, IndusInd Bank Crest Credit Card, SBI BPCL Octane — 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹4,858/yr.
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | IndusInd Bank Crest Credit Card IndusInd Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹5,000 | ₹1,499 |
| Fee waiver threshold | Lifetime free | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹4,712/yr | ₹80/yr | ₹9,570/yr |
| Online shopping | 3% cashback → ₹300/mo (₹3,600/yr) | — | — |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | — | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 3% | 2X reward points | 25X points |
| Primary reward cap | ₹1,000 rewards/mo cap | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access | None |
| UPI rewards | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | EMI · Fuel · Rent | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹6,000 |
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?
- SBI BPCL Octane leads with an estimated ₹9,570/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.
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
IndusInd Bank Crest Credit Card
IndusInd Bank
SBI BPCL Octane
SBI Card
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 | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank | SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹5,000 | ₹1,499 |
| Fee waiver threshold | Lifetime free | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹4,712/yr | ₹80/yr | ₹9,570/yr |
| Online shopping | 3% cashback → ₹300/mo (₹3,600/yr) | — | — |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | — | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 3% | 2X reward points | 25X points |
| Primary reward cap | ₹1,000 rewards/mo cap | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access | None |
| UPI rewards | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | EMI · Fuel · Rent | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹6,000 |
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https://cardhungry.com/in/en/compare/idfc-first-millennia-vs-indusind-crest-vs-sbi-bpcl-octaneMore IDFC FIRST Millennia Credit Card comparisons
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