What are the annual fees for HDFC Bank Millennia Credit Card and Amazon Pay ICICI Bank Credit Card?

HDFC Bank Millennia Credit Card has ₹1,000 + GST. Amazon Pay ICICI Bank Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank Millennia Credit Card earns about 1% on general spends; Amazon Pay ICICI Bank Credit Card earns about 1%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank Millennia Credit Card: 3.5%. Amazon Pay ICICI Bank Credit Card: 1.99% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits. Amazon Pay ICICI Bank Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC Millennia vs Amazon Pay ICICI

HDFC Millennia vs Amazon Pay ICICIcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank Millennia

HDFC Bank

Fee₹1,000+GST

Eff. rate1%

Cap₹2,000

Fee

₹1,000+GST

Eff. rate

Cap

₹2,000

Amazon Pay ICICI Bank

ICICI Bank

FeeFree

Eff. rate1%

CapNone

Fee

Free

Eff. rate

Cap

None

Quick take

How they compare

HDFC Millennia and Amazon Pay ICICI suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: Free vs ₹1,000 annual fee. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC Millennia

Annual fee: ₹1,000 + GST
Everyday rate: 1%
Monthly cap: ₹2,000/mo

Notable strengths

Bonus rewards on Amazon (up to 5%)
Direct cashback — nothing to redeem

Amazon Pay ICICI

Annual fee: Free
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

Bonus rewards on Amazon (up to 5%)
Direct cashback — nothing to redeem
No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

58 specs · 14 sections

HDFC Bank Millennia

Amazon Pay ICICI Bank

Feature

HDFC Bank Millennia

Amazon Pay ICICI Bank

Annual Fee

₹1,000

Free

Joining Fee

₹1,000

Free

Fee Waiver Spend

₹1,00,000

N/A

Forex Markup

3.5%

1.99%

Reward Type

Cashback

Base Rate

Online Rate

Offline Rate

Effective Base Rate

Point Value

₹1

Redemption Quality

HIGH

Best Redemption

₹1

Worst Redemption

₹0.3

₹1

Amazon

Amazon Pay Partners

—

Bookmyshow

—

Cultfit

—

Flipkart

—

Grocery / Supermarkets

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

Flights, Hotels, OTAs, Tour Operators

Other Retail / Catch-all

Monthly Cap

₹2,000

No cap

Est. Annual Cap

₹24,000

No cap

Total Excluded

5 categories

8 categories

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Earns rewards

Excluded

Education / School / College Fees

Earns rewards

Excluded

International Transactions

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

—

Forex Markup

3.5%

1.99%

Description

1,000 CashPoints on payment of membership fee

—

Estimated Value

₹1,000

—

Fuel Surcharge Waiver

Yes

Best Suited For

Online Shopping, Everyday Spends

Online Shopping, Amazon

Min Income

₹35,000/month

₹20,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Visa

Card Tier

Classic

Entry

Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)

None

2% surcharge

Third-party wallet loads > ₹5,000

None

1% surcharge

Transport > ₹50,000

None

1% surcharge

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank Millennia Credit Card and Amazon Pay ICICI Bank Credit Card?: HDFC Bank Millennia Credit Card has ₹1,000 + GST. Amazon Pay ICICI Bank Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank Millennia Credit Card earns about 1% on general spends; Amazon Pay ICICI Bank Credit Card earns about 1%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank Millennia Credit Card: 3.5%. Amazon Pay ICICI Bank Credit Card: 1.99% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits. Amazon Pay ICICI Bank Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC Millennia · ICICI Bank - Amazon Pay ICICI