Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs SBI Card against Fixed Deposit vs SBI SimplySAVE
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, SBI Card against Fixed Deposit, SBI SimplySAVE — 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 SimplySAVE ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹769/yr.
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹499 |
| Min income (monthly) | ₹20,000 | Not stated | ₹18,000 |
| Top reward rate | 3% | 80% of FD value | 10 RP/₹100 |
| Net annual value (moderate spend) | ₹4,712/yr | ₹1,770/yr | ₹5,481/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | ₹2,000 |
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 SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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 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 | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹499 |
| Min income | ₹20,000 | Not stated | ₹18,000 |
| Top reward rate | 3% | 80% of FD value | 10 RP/₹100 |
| Net value (moderate) | ₹4,712/yr | ₹1,770/yr | ₹5,481/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | ₹2,000 |
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