Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs IRCTC ICICI Bank Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, IRCTC ICICI Bank 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 | IRCTC ICICI Bank Credit Card ICICI Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹1,499 |
| Min income (monthly) | ₹20,000 | ₹20,000 | ₹30,000 |
| Top reward rate | 3% | 10% reward points | 25X points |
| Net annual value (moderate spend) | ₹4,712/yr | ₹1,063/yr | ₹9,570/yr |
| Secured / FD-backed | No | No | No |
| 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.
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 | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI 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 |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹1,499 |
| Min income | ₹20,000 | ₹20,000 | ₹30,000 |
| Top reward rate | 3% | 10% reward points | 25X points |
| Net value (moderate) | ₹4,712/yr | ₹1,063/yr | ₹9,570/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ₹6,000 |
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