HDFC Millennia Credit Card vs ICICI Amazon Pay Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
HDFC Bank
★ 4.3 / 5.0
HDFC Millennia Credit Card
Urban Millennials & Online Spenders
ICICI Bank
★ 4.5 / 5.0
ICICI Amazon Pay Credit Card
Amazon Shoppers & Digital Payments
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.3 / 5.0
★ 4.5 / 5.0
Annual Fee
₹1,000 + Taxes
Lifetime Free
Fee Waiver Condition
Annual fee waived on ₹1 Lakh quarterly spends (₹4 Lakh annually)
No annual fee ever
Reward Rate
5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & more; 2.5% all other online; 1% offline
5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay merchants; 1% everywhere else
Finance APR
3.6% per month (43.2% per annum)
3.40% per month (40.8% per annum)
Welcome Offer
₹1,000 cashback on spending ₹1,000+ in first 90 days
Up to ₹2,000 in Amazon Pay balance + lifestyle vouchers (EazyDiner, Ixigo) on joining
Top Perks
- • 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Swiggy, Sony LIV, Tata CLiQ, Uber & Zomato
- • 2.5% cashback on all other online spends
- • 1% cashback on all offline spends and wallet loads
- • 8 complimentary domestic airport lounge visits/year (via Dreamfolks) (Requires ₹60,000 spend in preceding quarter)
- • 5% cashback on all Amazon.in purchases (Amazon Prime members)
- • 3% cashback on all Amazon.in purchases (non-Prime members)
- • 2% cashback at 100+ Amazon Pay merchant partners
- • 1% cashback on all other spends
Best Suited For
Urban Millennials & Online Spenders
Amazon Shoppers & Digital Payments