Amazon Pay ICICI Bank Credit Card vs HDFC Bank Millennia Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Nil
₹1,000 + GST
Renewal Fee
Nil
₹1,000 + GST
Spend Based Waiver
Not Applicable
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees
1.99% markup on international transactions.
3.5% + GST on international spends.
Interest Rate (APR)
3.75% per month (45% per annum) on ATM withdrawals and if min. due paid.
3.75% per month (45% annually).
Rewards & Benefits
Welcome Bonus
Up to ₹2,500 in cashback and discounts for Prime/Non-Prime, plus 1-month EazyDiner membership.
Receive 1,000 bonus CashPoints upon successful realization of the joining fee.
Rewards Rate
Up to 5% cashback on Amazon, 2% on partners, 1% on others. Unlimited & non-expiring.
Earn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Reward Type
Cashback
Cashback
Reward Redemption Fee
Nil charges for redeeming reward points.
₹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
Up to 5% cashback on flights & hotels booked on Amazon (Prime members), 3% for others.
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 on dining bills at restaurants in the Culinary Treats Programme.
10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases up to ₹4,000 across India.
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2.5% of withdrawn amount, min. ₹500 charge.
2.5% of transaction amount, minimum fee of ₹500.