Bandhan Bank Ignite Credit Card VS Bandhan Bank Sparks Credit Card VS HDFC Bank Millennia Credit Card VS Accelero ICICI Bank Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bandhan Bank Ignite Credit Card
Bandhan Bank Sparks Credit Card
HDFC Bank Millennia Credit Card
Accelero ICICI Bank Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Enjoy never-expiring reward points, ensuring long-term value for all your spends.
Benefit from complimentary domestic and international lounge access each quarter.
Accelerated reward points on grocery and travel make everyday spending more rewarding.
No joining fee and nil add-on card fee reduce initial and ongoing costs.
Monthly dining discounts and fuel surcharge waiver add significant lifestyle benefits.
Pros
Key benefits and features.
No joining fee and a manageable renewal fee, easily waived with annual spending.
Enjoy never-expiring reward points on all eligible spends, offering long-term value.
Valuable welcome benefits include bonus points and cashback on your first EMI booking.
Receive complimentary domestic airport lounge access, enhancing your travel experience.
Benefit from regular movie discounts on BookMyShow, making entertainment more affordable.
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.
Pros
Key benefits and features.
Significant savings on automobile services like car washes and roadside assistance.
Offers a decent reward rate on general spending, enhancing everyday value.
Provides valuable lifestyle benefits including movie, dining, and travel discounts.
Nominal joining and renewal fees, with an easy spend-based waiver option.
Well-rounded card combining vehicle-related perks with general lifestyle benefits.
Cons
Key drawbacks and limitations.
High foreign currency markup of 3.50% + taxes for international transactions.
Renewal fee of ₹999 + taxes, though waivable with annual spend.
Lounge access is limited to one domestic and one international per quarter.
Cash advance charges are relatively high at 3.5% (min ₹500 + taxes).
Cons
Key drawbacks and limitations.
Limited lounge access, offering only one domestic visit per calendar quarter.
A high foreign currency mark-up of 3.50% + taxes makes international transactions costly.
Accelerated reward categories are not explicitly detailed, relying on implied value charts.
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.
Cons
Key drawbacks and limitations.
Lounge access is conditional on spending Rs. 75,000 in the previous quarter.
Reward Points are not earned on fuel purchases, EMI, or loan payments.
A redemption fee of Rs. 99 plus taxes applies for redeeming reward points.
The 3.5% foreign currency markup is relatively high for international transactions.
Maximum fuel cashback benefit is capped at Rs. 200 per month at HPCL stations.