Amazon Pay ICICI Bank Credit Card VS Cashback SBI Credit Card VS HDFC Bank Millennia Credit Card
Comparing 3 cards side by side: Amazon Pay ICICI Bank Credit Card, Cashback SBI Credit Card, HDFC Bank Millennia Credit Card. Amazon Pay ICICI Bank Credit Card is lifetime-free and earns 5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends. Cashback SBI Credit Card costs ₹999 + GST and earns 5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle); max combined Rs. 4,000 per statement cycle. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Cashback SBI Credit Card
HDFC Bank Millennia Credit Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.
Lifetime free with no joining or annual fees, offering significant long-term value.
Unlimited cashback with no maximum capping on the Amazon Pay balance earned.
Reward points are automatically credited as Amazon Pay balance and have no expiry date.
Low international forex mark-up at 1.99% makes international spends more economical.
Pros
Key benefits and features.
Decent 5% cashback on online spends and 1% on offline spends for solid everyday savings.
High monthly cashback cap of Rs. 4,000 across categories boosts total earnings potential.
Strong option for online spending compared to other cashback cards with simple auto-credit.
Contactless payment facility available for quick and secure low-value transactions.
Global acceptance in over 24 million outlets ensures usability during travel and shopping.
Pros
Key benefits and features.
High 5% cashback on popular partner merchants including Myntra, Amazon.
Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.
Provides substantial savings for digital-savvy consumers on daily spends.
Cons
Key drawbacks and limitations.
Primarily focused on Amazon shopping, limiting benefits for other spending categories.
Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.
Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.
The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.
Cons
Key drawbacks and limitations.
Several categories are excluded from cashback eligibility, limiting earnings on key spends.
Annual fee is relatively high compared to the benefits for low spenders who cannot meet the waiver.
Spend-based waiver may be difficult to achieve if major spends fall in excluded categories.
No instant discounts during online sales, reducing appeal during promotional shopping periods.
Cashback exclusions on utilities, insurance, fuel, rent, and other services restrict utility.
Cons
Key drawbacks and limitations.
Earns a lower 1% cashback on offline/online spends at non-partner merchants.
Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.
A minimum of 500 CashPoints are required to redeem against statement balance.