Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs OneCard Metal Credit Card vs YES ACE Credit Card
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, OneCard Metal Credit Card, YES ACE 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 YES ACE Credit Card by about ₹261/yr.
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | OneCard Metal Credit Card OneCard (BOB/FPL) | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹499 |
| Min income (monthly) | ₹20,000 | ₹15,000 | ₹25,000 |
| Top reward rate | 3% | 1% cashback | 4% cashback |
| Net annual value (moderate spend) | ₹4,712/yr | ₹3,960/yr | ₹4,451/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
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?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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 | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) | YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹499 |
| Min income | ₹20,000 | ₹15,000 | ₹25,000 |
| Top reward rate | 3% | 1% cashback | 4% cashback |
| Net value (moderate) | ₹4,712/yr | ₹3,960/yr | ₹4,451/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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