HDFC Millennia Credit Card vs ICICI Amazon Pay Credit Card
Verify differences in joining fees, waivers, reward structures, lounge access frequencies, and foreign transaction charges to pick your match.
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HDFC Bank
HDFC Millennia
Cardmember
CARD COMPARE MEMBER
HDFC Millennia Credit Card
Verified: 9 June 2026
ICICI Bank
ICICI Amazon Pay
Cardmember
CARD COMPARE MEMBER
ICICI Amazon Pay Credit Card
Verified: 12 June 2026
| Feature / Parameter | HDFC Millennia Credit Card | ICICI Amazon Pay Credit Card |
|---|---|---|
| Bank | HDFC Bank | ICICI Bank |
| Best For | Shopping | Lifetime Free |
| Joining Fee | ₹1,000 | ₹0 (Free) |
| Annual Fee | ₹1,000 | ₹0 (Free) Best: Lower maintenance cost |
| Renewal Waiver | Waived on annual spends of ₹1,00,000 or more in the previous year. | Lifetime Free credit card. No annual fee or renewal spend conditions. |
| Cashback & Reward Rate | 5% cashback (as CashPoints) on Amazon, Flipkart, Swiggy, Uber, Zomato, Tata CLiQ, BookMyShow, Myntra. 1% cashback on other spends. | 5% cashback for Amazon Prime members on Amazon India spends. 3% cashback for non-prime members on Amazon India. 2% on Amazon Pay partner merchants (flights, insurance, bill payments). 1% on other general spends. |
| Lounge Access | 8 complimentary domestic lounge visits per year (maximum 2 per calendar quarter), subject to credit spending rules. Best: Better lounge privileges | No complimentary airport lounge access benefits. |
| Forex Markup Fee | 3.50% of the transaction value. | 3.50% of the transaction value. |
| Fuel Benefit | 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (maximum waiver capped at ₹250 per statement cycle). | 1% fuel surcharge waiver on all petrol pumps (no minimum/maximum capping details, usually waived up to ₹4,000 transaction value). |
| Finance Charges | 3.60% per month (43.20% per annum). | 3.50% to 3.80% per month (42% to 45.60% per annum). |
| Eligibility | Salaried individuals with a monthly salary of ₹35,000+ or self-employed with annual ITR above ₹6 Lakhs. Age: 21 to 40 years. | Available to select Prime and non-Prime customers. Good credit score (750+) required. ICICI customers or online invite-based. Age: 21 to 65 years. |
Choose HDFC Millennia Credit Card if...
- You prefer direct statement cashback over reward points catalog redemptions.
- You want superior domestic and/or international airport lounge access privileges (8 complimentary domestic lounge visits per year (maximum 2 per calendar quarter), subject to credit spending rules.).
- Your spending habits are concentrated heavily on Shopping transactions.
- You easily hit the annual waiver spending target: ₹1,00,000 or more in the previous year.
Choose ICICI Amazon Pay Credit Card if...
- You want a lifetime-free card with ₹0 joining and ₹0 annual fee forever.
- You prefer direct statement cashback over reward points catalog redemptions.
- Your spending habits are concentrated heavily on Lifetime Free transactions.
- You easily hit the annual waiver spending target: Lifetime Free credit card. No annual fee or renewal spend conditions.
AHDFC Millennia Credit Card Highlights
Pros
- Excellent 5% return on popular daily partner sites including Amazon and Flipkart.
- Low annual fee waiver limit of ₹1 Lakh.
- CashPoints can be adjusted directly against your outstanding balance (1 CashPoint = ₹1).
Cons / Limitations
- CashPoints expire after 1 year if unused.
- 5% cashback capped at ₹1,000 total per calendar month across partner sites.
- Lounge access now conditional on meeting quarterly spending requirements.
BICICI Amazon Pay Credit Card Highlights
Pros
- Zero fees forever. No hidden charges or minimum annual spending targets.
- Unlimited 5% cashback on Amazon purchases with no monthly capping limits.
- Cashback credited directly as Amazon Pay balance, which is as good as cash on Amazon.
Cons / Limitations
- No complimentary domestic or international lounge visits.
- Highest reward rate (5%) is strictly restricted to Amazon Prime subscription holders.
- Rewards are only redeemable in the Amazon ecosystem (not as statement cash credit).
CardCompare India Editorial Verdict
Both cards offer excellent value in their respective segments. If you prefer lower annual fees, ICICI Amazon Pay Credit Card is the clear choice. For travelers, check the Lounge Access and Forex Markup specs above to determine the winner.
Our comparisons are editorially independent. We may earn a commission. Banks verify CIBIL and issue final approvals.Fees, interest rates, reward rates, lounge lists, and eligibility terms are subject to change by issuing banks. CardCompare India is an independent review site and cannot guarantee final card approvals. Review the bank's official Reward Charters and Most Important Terms and Conditions (MITC) before submitting credit applications.