WINNER
HDFC Millennia Credit Card
HDFC Bank
VS
A
Amazon Pay ICICI Credit Card
Citi Bank
HDFC Millennia Credit Card vs Amazon Pay ICICI Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated Jul 2026
Recommended
86
Overall Score / 100
4.3/5
80
Overall Score / 100
4.0/5
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
Better here
HDFC Millennia Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹1,000
Net per year+₹29,000
Amazon Pay ICICI Credit Card
Rewards (0.0%)+ ₹0
Annual feeFree
Net per year₹0
HDFC Millennia Credit Card gives you ₹29,000 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
HDFC Millennia Credit Card
Amazon Pay ICICI Credit Card
Annual Fee
₹1,000
Free
Joining Fee
₹1,000
Free
Reward Rate
5% SmartBuy, 2.5% online, 1% offline
—
Welcome Bonus
1,000 reward points on first transaction
None
Lounge Access
None
None
Min. Income
₹35,000
—
Min. Credit Score
720
—
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
ICICI Amazon Pay wins for Amazon shoppers with lifetime free and 5% back on Amazon. HDFC Millennia offers broader 5% SmartBuy cashback and 2.5% on all online spends.
Who Should Get Which?
💰
Choose HDFC Millennia Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose Amazon Pay ICICI Credit Card
Higher fee but more premium perks like lounge access and higher reward rates — best for frequent spenders.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.