Amazon Pay ICICI Bank Credit Card vs Cashback SBI Credit Card vs HDFC Bank Millennia Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
NIL / Lifetime Free
Rs. 999 + Taxes/GST
₹1,000 + Applicable Taxes
Renewal Fee
NIL / Lifetime Free
Rs. 999 + Taxes/GST
₹1,000 + Applicable Taxes
Spend Based Waiver
Lifetime free, so no annual fee waiver conditions apply.
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Renewal fee waived off on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees
3.5% of the total transacted amount.
3.5% of the international transaction value.
3.5% + GST markup on all international transactions.
Interest Rate (APR)
3.75% per month (45% p.a.) on ATM withdrawals & outstanding balances.
3.75% per month (45% per annum) on outstanding balance.
3.75% per month (45% annually) on outstanding balances.
Rewards & Benefits
Welcome Bonus
Cashback discounts up to ₹2,500 and one-month EazyDiner membership for Prime/non-Prime.
Not Applicable
Get 1,000 bonus CashPoints on joining fee realization or points equivalent to Membership Fee.
Rewards Rate
Up to 5% on Amazon (Prime), 3% (non-Prime); 2% on partners; 1% on other eligible spends.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Earn 5% cashback on top online merchants, and 1% cashback on other online/offline spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
Nil
₹99 per redemption transaction.
₹50 + GST for cash redemption, ₹99 + GST for other redemptions (travel/catalogue).
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
Option for Dreamfolks airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
Not Applicable
Travel Benefits
Cashback on flight and hotel bookings via Amazon, up to 5% for Prime members.
Not Applicable
Get 5% cashback on Uber. Redeem CashPoints for flights/hotels, plus opt for lounge access voucher.
Movie Benefits
Not Applicable
Not Applicable
Earn 5% cashback on spends at BookMyShow and Sony LIV platforms.
Dining Benefits
Minimum 15% discount on dining bills at restaurants participating in Culinary Treats Programme.
Not Applicable
Enjoy exclusive dining benefits via Good Food Trail & up to 20% off on Swiggy Dineout.
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases up to ₹4,000 across India.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
1% waiver on fuel transactions (₹400-₹5,000), max ₹250 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Zero Lost Card Liability protection ensures security against fraudulent transactions.
Cash Advance Charges
2.5% of withdrawn amount, minimum of ₹500.
2.5% of amount withdrawn or min Rs. 500, whichever is higher.
2.5% of transaction amount, minimum ₹500 fee.