Hdfc Bank Millennia Credit Card Visa vs Icici Bank Amazon Pay Visa Credit Card: Which is Better in 2026?
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Both Hdfc Bank Millennia Credit Card Visa and Icici Bank Amazon Pay Visa Credit Card are active products in India. The side-by-side table below summarises fees, rewards and travel perks from the same mTuzo benefits feed used on each card’s CardChat page — use it plus the short verdicts to decide which fits your spend pattern.
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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 - 20% Back Upto Rs.100 on Electricity Bill For Prime Members |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Reward summaries are missing or thin in our benefit extract for this pair. Use the “Reward rate (headline)” row above when present, then confirm earn rates, caps and exclusions on each issuer’s site.
Which is better for travel?
Neither card clearly dominates on lounge data in our automated parse — or both are similarly strong. Use the lounge rows in the table and your own travel pattern (domestic vs international) to break the tie.
Which has lower effective cost?
Renewal fee wording differs between issuers, so compare the “Annual / renewal fee” row directly: Hdfc Bank Millennia Credit Card Visa — Renewal Fee of Rs. 1000 Icici Bank Amazon Pay Visa Credit Card — No Annual Fee Then read waiver rules; a higher published fee can still be cheaper net if you usually clear spend-based waivers.
Who should pick Hdfc Bank Millennia Credit Card Visa?
Consider Hdfc Bank Millennia Credit Card Visa if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Icici Bank Amazon Pay Visa Credit Card?
Consider Icici Bank Amazon Pay Visa Credit Card if you already bank with ICICI Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Hdfc Bank Millennia Credit Card Visa — domestic: —; international: —. Icici Bank Amazon Pay Visa Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and ICICI Bank websites before you travel.
We could not parse both renewal fees reliably from our benefit feed for this pair. Compare the “Annual / renewal fee” row in the table above, then confirm on the HDFC Bank and ICICI Bank websites.
On the first reward band we surface, Hdfc Bank Millennia Credit Card Visa shows a stronger headline earn (— vs —). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Hdfc Bank Millennia Credit Card Visa: Spend Rs.1 Lakh For Renewal Fee Waiver Icici Bank Amazon Pay Visa Credit Card: Waiver wording not in our benefit extract — check ICICI Bank. Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Hdfc Bank Millennia Credit Card Visa: 3.50% - Foreign Currency Transactions Icici Bank Amazon Pay Visa Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and ICICI Bank websites.
Hdfc Bank Millennia Credit Card Visa: Welcome Benefit - Rs.1000 CashPoints Icici Bank Amazon Pay Visa Credit Card: Amazon Gift Coupon - 20% Back Upto Rs.100 on Electricity Bill For Prime Members Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and ICICI Bank websites.