Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs SBI Cashback Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, SBI Cashback Credit Card, SBI Card against Fixed Deposit — 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 Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹2,038/yr.
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | SBI Cashback Credit Card SBI Card | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹999 | ₹0 |
| Min income (monthly) | ₹20,000 | ₹25,000 | Not stated |
| Top reward rate | 3% | 5% | 80% of FD value |
| Net annual value (moderate spend) | ₹4,712/yr | ₹6,750/yr | ₹1,770/yr |
| Secured / FD-backed | No | No | Yes |
| 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?
- SBI Cashback Credit Card leads with an estimated ₹6,750/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)?
- SBI Card against Fixed Deposit 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 | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹999 | ₹0 |
| Min income | ₹20,000 | ₹25,000 | Not stated |
| Top reward rate | 3% | 5% | 80% of FD value |
| Net value (moderate) | ₹4,712/yr | ₹6,750/yr | ₹1,770/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | — | — |
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