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Side-by-side comparison of HDFC Millennia vs Amazon Pay ICICI to help you find the best fit.
Fees & Charges
First Year Fee₹1,000
Renewal Fee₹1,000
Fee Waiver ConditionOn spend of ₹100,000/yr
First Year FeeFREE
Renewal FeeFREE
0Rewards & Benefits
Reward Rate5% CashPoints on partner brands; 1% elsewhere
Cashback Rate5% (Amazon, Flipkart, Swiggy, Zomato, Uber, etc.)
Welcome Bonus1,000 CashPoints on joining fee payment
Lounge Access1 visit/quarter (Milestone based)
Fuel Surcharge Waiver
Reward Rate5% for Prime / 3% for non-Prime on Amazon
Cashback Rate2% at partner merchants; 1% on all other spends
Welcome BonusUp to ₹2,500 in Amazon Pay balance (seasonal)
Lounge AccessNA
Fuel Surcharge Waiver
Eligibility
Min Income₹35,000/month
Min Credit Score730
Eligible For
salaried
self employed
Min Income₹20,000/month
Min Credit Score700
Eligible For
salaried
self employed
Top Features
- 5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, BookMyShow, etc.
- Milestone Benefit: Choose between ₹1,000 voucher OR 1 Lounge Visit on ₹1L quarterly spend
- 1% CashPoints on all other spends (including Wallet & EMI)
- Up to 20% discount via Swiggy Dineout
Categories
CashbackshoppingLifestyle
- Unlimited rewards that never expire
- No joining or annual fees forever
- Earnings credited monthly as Amazon Pay balance
- 1.99% low forex markup
Categories
shoppingCashback