Hdfc Bank Millennia Credit Card Visa vs Icici Bank Amazon Pay Visa Credit Card: Which is Better in 2026?
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The Hdfc Bank Millennia Credit Card Visa and the Icici Bank Amazon Pay Visa Credit Card cater to different user preferences. The HDFC Millennia card charges a joining and renewal fee with a waiver on quarterly spends, while the ICICI Amazon Pay card has no joining or annual fees. Both cards have a forex markup of 3.5%, but their reward structures and cashback benefits vary significantly.
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 - 25% Back Upto Rs.550 on Broadband Bill For Non Prime Members |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Both cards offer rewards but in different ways. The HDFC Millennia card provides Rs.1000 CashPoints as a welcome benefit and 5% cashback on Myntra, Zomato, and Amazon, along with the ability to redeem points for travel and statement balance. The ICICI Amazon Pay card focuses on Amazon gift coupons and cashback offers primarily tied to Amazon and bill payments, with varying cashback percentages and caps depending on Prime membership status. The rewards value depends on your spending patterns, with HDFC offering straightforward cashback and ICICI offering targeted Amazon-related benefits.
Which is better for travel?
Neither card offers dedicated travel lounge access or travel-specific perks beyond reward redemption options. The HDFC Millennia card allows redemption of reward points for travel at a conversion rate of 1 RP = Rs.0.3 or 0.3 airmiles, which may benefit occasional travelers. The ICICI Amazon Pay card does not highlight travel benefits, focusing more on bill payments and shopping cashback. For travel-focused users, the HDFC Millennia card may provide slightly more flexibility through point redemption.
Which has lower effective cost?
The ICICI Amazon Pay Visa Credit Card has a clear advantage in terms of fees, as it charges no joining or annual fees. The HDFC Millennia card charges Rs.1000 as both joining and renewal fees but offers a quarterly voucher worth Rs.1000 on spending Rs.1 lakh, effectively waiving the renewal fee if the spending criteria are met. Users who prefer a no-fee card or have lower spends may find the ICICI card more appealing, while high spenders might offset HDFC's fees with its milestone benefits.
Fee Structure and Waiver Complexity
The HDFC Millennia card has a joining and renewal fee of Rs.1000 each, with a quarterly milestone benefit that can offset the renewal fee if you spend Rs.1 lakh per quarter. In contrast, the ICICI Amazon Pay card has no joining or annual fees, making it simpler and more cost-effective for users with lower or irregular spends.
Reward Redemption Flexibility
HDFC Millennia offers multiple redemption options including cashback, travel (airmiles), and shopping catalogues, providing flexibility for different user preferences. The ICICI Amazon Pay card focuses on Amazon gift coupons and cashback on specific bill payments, which may limit redemption versatility but benefits frequent Amazon users.
Who should pick Hdfc Bank Millennia Credit Card Visa?
Consider Hdfc Bank Millennia Credit Card Visa if you are looking for a card with milestone benefits and cashback on popular platforms like Myntra, Zomato, and Amazon. It suits users who can meet the quarterly spend of Rs.1 lakh to avail fee waivers and gift vouchers, and those who prefer redeeming reward points for travel or statement credit.
Who should pick Icici Bank Amazon Pay Visa Credit Card?
Consider Icici Bank Amazon Pay Visa Credit Card if you want a no-fee credit card with strong cashback and gift coupon offers primarily focused on Amazon purchases and bill payments. This card is suitable for frequent Amazon shoppers and users who prefer straightforward savings without worrying about joining or renewal fees.
Frequently Asked Questions
Hdfc Bank Millennia Credit Card Visa charges Rs.1000 for both joining and renewal fees with a waiver on renewal if Rs.1 lakh is spent quarterly. Icici Bank Amazon Pay Visa Credit Card has no joining or annual fees.
Neither the HDFC Millennia nor the ICICI Amazon Pay Visa Credit Card offers domestic or international lounge access benefits.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The ICICI Amazon Pay Visa Credit Card offers multiple Amazon gift coupon cashback offers, especially beneficial for Prime members. The HDFC Millennia card provides 5% cashback on Amazon but is not specifically tied to Amazon shopping.
HDFC Millennia offers Rs.1000 worth of gift vouchers each quarter on spending Rs.1 lakh, effectively waiving the renewal fee. The ICICI Amazon Pay card does not list milestone benefits.
Yes, the HDFC Millennia card allows redemption of reward points for travel at a conversion rate of 1 RP = Rs.0.3 or 0.3 airmiles. The ICICI Amazon Pay card does not specify travel redemption options.