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Side-by-Side Comparison|Updated March 2026

ICICI Bank Manchester United Signature Credit Card vs HDFC Bank Millennia Credit Card

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

ICICI Bank

ICICI Bank Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
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HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank Manchester United Signature Credit CardHDFC Bank Millennia Credit Card
Annual Fee₹2,499₹1,000
Joining Fee₹2,499₹1,000
Fee Waiver Spend₹2,50,000₹1,00,000
Base Reward Rate0.25%1%
Reward CurrencyICICI Reward PointsCashPoints
NetworkVisaVisa
Editor Rating6.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

ICICI Bank Manchester United Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

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

Our Verdict

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

Choose ICICI Bank Manchester United Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Choose HDFC Bank Millennia Credit Card if

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

Frequently Asked Questions

Which is better: ICICI Bank Manchester United Signature Credit Card or HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Manchester United Signature Credit Card and HDFC Bank Millennia Credit Card?
ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: ICICI Bank Manchester United Signature Credit Card or HDFC Bank Millennia Credit Card?
ICICI Bank Manchester United Signature Credit Card offers a base reward rate of 0.25% with accelerated rewards on Manchester United Match Days. HDFC Bank Millennia Credit Card offers 1% base rewards with bonuses on Special Rate. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Manchester United Signature Credit Card and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Manchester United Signature Credit Card and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Manchester United Signature Credit Card or HDFC Bank Millennia Credit Card?
For beginners, HDFC Bank Millennia Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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