Hdfc Bank Millennia Credit Card Visa vs Icici Bank Amazon Pay Visa Credit Card: Which is Better in 2026?
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When comparing the Hdfc Bank Millennia Credit Card Visa and the Icici Bank Amazon Pay Visa Credit Card, the key differences lie in fees and rewards structure. Hdfc Bank Millennia offers cashback on various platforms, while Icici Bank Amazon Pay focuses on Amazon-related benefits without any joining or renewal fees.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Hdfc Bank Millennia Credit Card Visa | Icici Bank Amazon Pay Visa Credit Card |
|---|---|---|
| Bank | HDFC Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.1000 | No Joining Fees |
| Annual / renewal fee | Renewal Fee of Rs. 1000 | No Annual Fee |
| Annual fee waiver | Spend Rs.1 Lakh For Renewal Fee Waiver | — |
| Welcome benefit | Welcome Benefit - Rs.1000 CashPoints | Amazon Gift Coupon - 50% back up to Rs.50 on Prepaid Recharge For Non Prime Members |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Hdfc Bank Millennia Credit Card Visa provides a more diverse cashback offering, including 5% on popular platforms like Zomato, Amazon, and Swiggy. This card is ideal for users who frequently shop or dine at these outlets. In contrast, the Icici Bank Amazon Pay Visa Credit Card emphasizes Amazon-related cashback, making it suitable for regular Amazon shoppers but less versatile overall.
Which is better for travel?
Both cards have the same forex markup of 3.5% for foreign currency transactions, which means they are equally positioned for international use. However, neither card offers any lounge access, which could be a consideration for frequent travelers looking for additional perks.
Which has lower effective cost?
The Icici Bank Amazon Pay Visa Credit Card has no joining or renewal fees, making it a cost-effective choice for users who want to avoid annual charges. In comparison, the Hdfc Bank Millennia Credit Card Visa has a joining fee and a renewal fee, which can be waived with a minimum spend, but may not appeal to those looking for a straightforward, no-fee option.
Who should pick Hdfc Bank Millennia Credit Card Visa?
Consider Hdfc Bank Millennia Credit Card Visa if you frequently shop at platforms like Zomato and Amazon and want to maximize cashback rewards on everyday spending. This card is beneficial for users who can meet the spending requirements for milestone rewards.
Who should pick Icici Bank Amazon Pay Visa Credit Card?
Consider Icici Bank Amazon Pay Visa Credit Card if you prefer a no-fee card with straightforward Amazon-related benefits and cashback on utility bills. This card is ideal for casual users who want to avoid annual fees while still enjoying some cashback rewards.
Frequently Asked Questions
The joining fee for the Hdfc Bank Millennia Credit Card is Rs.1000.
No, the Icici Bank Amazon Pay Visa Credit Card has no annual fee.
The Hdfc Bank Millennia Credit Card offers 5% cashback on select platforms like Zomato, Amazon, and Swiggy.
No, neither the Hdfc Bank Millennia Credit Card nor the Icici Bank Amazon Pay Visa Credit Card offers lounge access.