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Side-by-Side Comparison|Updated March 2026

HDFC Bank Millennia Credit Card vs Amazon Pay ICICI Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Millennia Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹1,000Free
Joining Fee₹1,000Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate1%1%
Reward CurrencyCashPointsAmazon Pay Balance
NetworkVisaVisa
Editor Rating8.5/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

HDFC Bank Millennia Credit Card

Pros

  • 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
  • 1:1 redemption ratio for CashPoints against statement credit
  • Achievable annual fee waiver at ₹1 Lakh annual spend
  • 1,000 CashPoints welcome benefit effectively offsets the joining fee

Cons

  • Monthly cashback capped at ₹1,000 for the 5% category
  • Lounge access is now spend-based (₹1 Lakh per quarter)
  • Excludes rent, fuel, and government transactions from rewards

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Millennia Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Millennia Credit Card if

High 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: HDFC Bank Millennia Credit Card or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Millennia Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Millennia Credit Card and Amazon Pay ICICI Bank Credit Card?
HDFC Bank Millennia Credit Card has an annual fee of ₹1,000, while Amazon Pay ICICI Bank Credit Card has no annual fee. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank Millennia Credit Card or Amazon Pay ICICI Bank Credit Card?
HDFC Bank Millennia Credit Card offers a base reward rate of 1% with accelerated rewards on Special Rate. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Millennia Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Millennia Credit Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Millennia Credit Card or Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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