Skip to content

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
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees
1.99%
3.5% of the international transaction value.
3.5% + GST on international spends.
Interest Rate (APR)
3.75% per month (45% per annum)
3.75% per month (45% per annum) on outstanding balance.
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.
Not Applicable
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 & 1% on offline spends, max Rs. 5,000 per cycle.
Earn 5% cashback on select online merchants & 1% on other eligible 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 requests (effective Aug 2024).

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
Complimentary 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
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
Not Applicable
Redeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Movie Benefits
Not Applicable
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.
Not Applicable
10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for all fuel purchases across India for transactions up to ₹4,000.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
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 amount withdrawn or min Rs. 500, whichever is higher.
2.5% of transaction amount, minimum fee of ₹500.

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.

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.

Benefit from a straightforward 5% cashback on online spends and 1% on offline transactions.

Enjoy a generous monthly cashback cap of Rs. 5,000, offering substantial savings potential.

Excellent choice for online shoppers due to high cashback rates and no merchant restrictions.

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.

Cashback is not applicable on several common spending categories including utilities and fuel.

The Rs. 2 Lakh annual spend for fee waiver can be difficult for some, given many excluded categories.

The card no longer offers complimentary lounge access, a popular benefit for many users.

Lack of instant discounts during major online sales may be a drawback for certain shoppers.

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.