Head-to-head · 🇮🇳 India
HDFC Millennia vs Amazon Pay ICICI
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 1 of 10
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 5 of 10
Verdict
Amazon Pay ICICI wins 5-1. Heavy Amazon shoppers — best free card in India HDFC Millennia is still the right call if online shoppers spending ₹15k–50k/month.
Side-by-side
| Criterion | HDFC Millennia | Amazon Pay ICICI |
|---|---|---|
| Annual fee | · ₹1,000 | No annual fee |
| Joining fee | · ₹1,000 | None |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = ₹500 Amazon Pay balance on first transaction |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | · ₹420,000 | ₹300,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | · 4.6/5 | 4.7/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
FAQ
›HDFC Millennia vs Amazon Pay ICICI: which is better?
Amazon Pay ICICI wins on more dimensions (5 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, Amazon Pay ICICI for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction.