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 / Lifetime Free
₹1,000 + Applicable Taxes
Renewal Fee
NIL / Lifetime Free
₹1,000 + Applicable Taxes
Spend Based Waiver
Lifetime free, so no annual fee waiver conditions apply.
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% + 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% annually) on outstanding balances.
Rewards & Benefits
Welcome Bonus
Cashback discounts up to ₹2,500 and one-month EazyDiner membership for Prime/non-Prime.
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.
Earn 5% cashback on top online merchants, and 1% cashback on other online/offline spends.
Reward Type
Cashback
Cashback
Reward Redemption Fee
Nil
₹50 + GST for cash redemption, ₹99 + GST for other redemptions (travel/catalogue).
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Option for Dreamfolks airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Cashback on flight and hotel bookings via Amazon, up to 5% for Prime members.
Get 5% cashback on Uber. Redeem CashPoints for flights/hotels, plus opt for lounge access voucher.
Movie Benefits
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.
Enjoy exclusive dining benefits via Good Food Trail & up to 20% off on Swiggy Dineout.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases up to ₹4,000 across India.
1% waiver on fuel transactions (₹400-₹5,000), max ₹250 per statement cycle.
Security & Other
Insurance Benefits
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2.5% of withdrawn amount, minimum of ₹500.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 transaction amount, minimum ₹500 fee.