Hdfc Bank Millennia Credit Card Visa vs ICICI Bank Coral Credit Card Visa: Which is Better in 2026?
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ICICI Bank Coral Credit Card Visa lists a lower headline annual fee in our data (around ₹500 apart), before waivers. ICICI Bank Coral Credit Card Visa has clearer reward-band data in our benefits feed right now. ICICI Bank Coral Credit Card Visa currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Hdfc Bank Millennia Credit Card Visa | ICICI Bank Coral Credit Card Visa |
|---|---|---|
| Bank | HDFC Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs.500 |
| Annual / renewal fee | Renewal Fee of Rs. 1000 | Annual Fee of Rs.500 |
| Annual fee waiver | Spend Rs.1 Lakh For Renewal Fee Waiver | Spend Rs.150000 For Waiver of Annual Fee |
| Reward rate (headline) | — | Earn 1 Reward Points per Rs.100 on Utilities |
| Lounge — domestic | — | 1 Complimentary Airport Lounge Access Per Quarter |
| Welcome benefit | Welcome Benefit - Rs.1000 CashPoints | — |
| Milestone benefit | — | Earn 2000 Reward Points on Spend of Rs.2 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
ICICI Bank Coral Credit Card Visa shows a higher headline earn signal in the reward summaries we index (Earn 1 Reward Points per Rs.100 on Utilities vs —). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
ICICI Bank Coral Credit Card Visa has richer lounge-related fields in our current benefits extract (domestic: 1 Complimentary Airport Lounge Access Per Quarter; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
ICICI Bank Coral Credit Card Visa appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
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 Coral Credit Card Visa?
Consider ICICI Bank Coral Credit Card Visa 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: ICICI Bank Coral Credit Card Visa — domestic: 1 Complimentary Airport Lounge Access Per Quarter; international: —. Hdfc Bank Millennia Credit Card Visa — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and ICICI Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹500 vs ₹1,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and ICICI Bank websites for the final number.
On the first reward band we surface, ICICI Bank Coral Credit Card Visa shows a stronger headline earn (Earn 1 Reward Points per Rs.100 on Utilities 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 Coral Credit Card Visa: Spend Rs.150000 For Waiver of Annual Fee Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Hdfc Bank Millennia Credit Card Visa: 3.50% - Foreign Currency Transactions ICICI Bank Coral Credit Card Visa: 3.50% - 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 Coral Credit Card Visa: Not in our extract. Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and ICICI Bank websites.