vs
In short: ICICI Amazon Pay has the lower annual fee (none vs ₹1,000); both charge a 3.5% forex markup.
| Key facts | HDFC Millennia | ICICI Amazon Pay |
|---|---|---|
| Annual fee | ₹1,000 | None |
| Joining fee | ₹1,000 | None |
| Annual fee waived | On ₹1 lakh annual spend | Not listed |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | 5% Cashback For Amazon Prime Member |
| Base rewards | 1% Cashback on All Other Spends | 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, both return about ₹4,800 a year; ICICI Amazon Pay comes out about ₹1,000 ahead because of its lower annual fee.
| Spend profile | HDFC Millennia | ICICI Amazon Pay |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 5% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹4,800 |
| Annual fee | ₹1,000 | None |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Hdfc Bank Millennia Credit Card Visa and Icici Bank Amazon Pay Visa Credit Card both offer 5% cashback on select categories and 1% cashback on other spends, making them attractive for cashback seekers. The HDFC Millennia card charges a joining and renewal fee with a waiver on spending Rs.1 lakh, while the ICICI Amazon Pay card has no joining or renewal fees. Both cards have a 3.5% forex markup and provide a 1% fuel surcharge waiver. Lounge access details are not listed in our data for either card.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| 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 | — |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | Earn 5% Cashback For Amazon Prime Member |
| Base rate (other spends) | 1% Cashback on All Other Spends | Earn 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefit - Rs.1000 CashPoints | 100% Back up to Rs.200 on Amazon Shopping For Prime Members |
| Milestone benefit | Rs.1000 Worth Gift Vouchers on Spends of Rs.1 Lakh | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Both cards offer a top cashback rate of 5% on popular platforms like Amazon, with the HDFC Millennia card covering multiple merchants such as Flipkart, Swiggy, and Myntra, while the ICICI Amazon Pay card focuses on Amazon Prime members with 5% cashback and additional cashback on Amazon Pay partners and travel. The base cashback rate is 1% on all other spends for both cards. At Rs.20,000 a month spend, both cards provide about Rs.4,800 annually in rewards before caps, making their rewards value comparable.
Neither card explicitly highlights travel-specific benefits such as lounge access in our data. The ICICI Amazon Pay card offers 5% cashback on travel for Amazon Prime members and 3% for non-members, which adds value for frequent travelers. The HDFC Millennia card does not list travel-related rewards or lounge access, making the ICICI card slightly more travel-friendly in terms of cashback on travel spends.
The HDFC Millennia card charges a joining and renewal fee of Rs.1000 each, with a renewal fee waiver available on spending Rs.1 lakh annually. In contrast, the ICICI Amazon Pay card has no joining or annual fees, making it more cost-effective for users who prefer a fee-free card. Both cards have a 3.5% forex markup and a 1% fuel surcharge waiver, so foreign transaction costs and fuel fee benefits are similar.
The HDFC Millennia card offers a renewal fee waiver if you spend Rs.1 lakh annually, which requires tracking your spending to avoid the Rs.1000 renewal fee. The ICICI Amazon Pay card has no annual fees, eliminating the need for such conditions and simplifying cost management.
HDFC Millennia provides a Rs.1000 welcome CashPoints benefit and Rs.1000 worth of gift vouchers on quarterly spends of Rs.1 lakh, adding value for high spenders. The ICICI Amazon Pay card offers a 100% cashback up to Rs.200 on Amazon shopping for Prime members but does not list milestone benefits.
Consider Hdfc Bank Millennia Credit Card Visa if you shop frequently across multiple online platforms like Amazon, Flipkart, Swiggy, and Myntra and want a straightforward cashback structure with a welcome benefit of Rs.1000 CashPoints and milestone vouchers worth Rs.1000 on quarterly spends of Rs.1 lakh. This card suits users comfortable with an annual fee that can be waived with sufficient spending.
Consider Icici Bank Amazon Pay Visa Credit Card if you are an Amazon Prime member or a regular Amazon shopper looking for a no-fee card with 5% cashback on Amazon and additional cashback on Amazon Pay partners and travel spends. Its zero joining and renewal fees make it ideal for beginners or those who prefer to avoid annual charges while still earning solid cashback rewards.
HDFC Millennia charges Rs.1000 for both joining and renewal, with a renewal fee waiver on spending Rs.1 lakh annually. ICICI Amazon Pay card has no joining or renewal fees.
Lounge access details are not listed in our data for either the HDFC Millennia or ICICI Amazon Pay Visa Credit Card.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Both cards offer 5% cashback on Amazon for Amazon Prime members, but HDFC Millennia extends 5% cashback to several other merchants as well.
Yes, both cards provide a 1% fuel surcharge waiver.
HDFC Millennia offers Rs.1000 worth of gift vouchers on quarterly spends of Rs.1 lakh, while milestone benefits are not listed in our data for the ICICI Amazon Pay card.