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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.

Features

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
Cashback SBI Credit Card
Cashback SBI Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

Fees & Charges

Joining Fee
Nil
₹999 + GST
₹1,000 + GST
Renewal Fee
Nil
₹999 + GST
₹1,000 + GST
Spend Based Waiver
Not Applicable
Annual fee is reversed if annual spends in the previous year are Rs. 2,00,000 or more.
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees
1.99%
3.5% + GST
3.5% + GST on international spends.
Interest Rate (APR)
3.75% per month (45% per annum)
3.75% per month (45% per annum)
3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus
Perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers.
No specific welcome benefits or joining perks are listed for this card.
Receive 1,000 bonus CashPoints upon successful realization of the joining fee.
Rewards Rate
5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends.
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.
Earn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
NIL
Not applicable
₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Complimentary airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
Redeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Movie Benefits
Not Applicable
5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Dining Benefits
Minimum 15% discount at participating restaurants through the ICICI Culinary Treats program.
10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for all fuel purchases across India for transactions up to ₹4,000.
1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India, capped at Rs. 100 per statement cycle.
1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Zero liability on fraudulent transactions if lost card is reported immediately.
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500) plus 3.75% monthly interest.
2.5% of the amount withdrawn or a minimum charge of Rs. 500.
2.5% of transaction amount, minimum fee of ₹500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

Cashback SBI Credit Card

HDFC Bank Millennia Credit Card

Who is it for?

The Amazon Pay ICICI Bank Credit Card is a popular lifetime-free shopping card designed for Amazon loyalists. It offers up to 5% cashback for Prime members and automates the reward process by crediting earnings directly as Amazon Pay balance, making it a highly convenient and high-value tool for online shoppers.

Who is it for?

The Cashback SBI Card is an entry-level cashback credit card that delivers straightforward savings on everyday spending with 5% cashback on online transactions and 1% on offline spends. It pairs flat cashback with a fuel surcharge waiver and a spend-based annual fee waiver, making it ideal for users who want direct, easy-to-track benefits without managing points. Best suited for regular shoppers and online spenders who can meet the Rs. 2 lakh annual spend threshold, this card simplifies rewards while offering global acceptance and contactless convenience.

Who is it for?

The HDFC Bank Millennia Credit Card is an entry-level cashback card primarily designed for young professionals and millennials. It offers a significant 5% cashback on popular online merchants and 1% on other eligible spends. Users can enjoy attractive gift vouchers for achieving quarterly spend milestones and a renewal fee waiver based on annual spending. This card is positioned to help users save on lifestyle expenses and build a strong credit profile through versatile reward redemptions.

Pros

Key benefits and features.

A lifetime-free credit card with no joining or annual maintenance fees for cardholders.

Offers a high reward rate of 5% for Prime members on all eligible Amazon.in purchases.

Cashback is automatically credited as Amazon Pay balance with no manual redemption required.

Rewards never expire and there is no maximum capping on the total cashback you can earn.

Competitive foreign currency markup of only 1.99% compared to the standard market rates.

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.

Benefits on other platforms or offline transactions are limited to a basic 1% reward rate.

Lacks premium lifestyle features like airport lounge access, golf perks, or movie deals.

The reward rate for Non-Prime members is significantly lower at 3% compared to Prime users.

No cashback is earned on fuel, rent, gold, EMI transactions, or international payments.

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.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.