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HDFC Bank Millennia vs Amazon Pay ICICI Bank: Which Card Is Better?

A side-by-side comparison of HDFC Bank Millennia and Amazon Pay ICICI Bank credit cards: fees, reward rates by category, caps, forex markup, lounge access, and which one earns more for different kinds of spenders.

Verdict

HDFC Bank Millennia earns more in 7 of the 7 spending profiles we tested. Choose HDFC Millennia for shoppers on amazon, flipkart, swiggy and zomato. Choose Amazon Pay ICICI for amazon prime members who want a no-fee card.

Spending profileHDFC MillenniaAmazon Pay ICICIWinner
Balanced spender₹7,440₹5,400HDFC Millennia (+₹2,040)
Online shopper₹12,060₹7,980HDFC Millennia (+₹4,080)
Frequent traveller₹9,724₹6,782HDFC Millennia (+₹2,942)
Family & groceries₹13,120₹7,920HDFC Millennia (+₹5,200)
Foodie₹13,360₹5,280HDFC Millennia (+₹8,080)
Daily commuter₹4,980₹3,900HDFC Millennia (+₹1,080)
High spender₹20,566₹19,893HDFC Millennia (+₹673)

Estimated yearly value after caps, fees (with GST) and forex costs. Try your own spends →

HDFC Millennia vs Amazon Pay ICICI: full comparison

FeatureHDFC Bank MillenniaAmazon Pay ICICI Bank
Card
HDFC Bank MillenniaHDFC Bank
Amazon Pay ICICI BankICICI Bank
Annual fee₹1,000 + GSTFree
Joining fee₹1,000 + GSTFree
Fee waiverWaived on ₹1,00,000 yearly spendNo fee to waive
NetworkVisa / MastercardVisa
Amazon rewards5%5%
Flipkart rewards5%1%
Other online shopping rewards1%1%
Food delivery rewards5%1%
Dining out rewards1%1%
Groceries rewards1%1%
Flights & hotels rewards1%1%
Fuel rewards0%0%
Bills & recharges rewards1%2%
Everything else rewards1%1%
Forex markup3.5%1.99%
Lounge accessDomestic lounge access on quarterly spend milestonesNone
Reward caps5% cashback capped at 1,000 points (₹1,000) per month
1% cashback capped at 1,000 points (₹1,000) per month		No major caps
Est. yearly value: balanced spender₹7,440₹5,400
Est. yearly value: online shopper₹12,060₹7,980
Est. yearly value: frequent traveller₹9,724₹6,782
Est. yearly value: family & groceries₹13,120₹7,920
Best forShoppers on Amazon, Flipkart, Swiggy and ZomatoAmazon Prime members who want a no-fee card
Pros
  • 5% cashback on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on other spends
  • ₹1,000 gift voucher every quarter you spend ₹1 lakh
  • Easy fee waiver at ₹1 lakh yearly spend
  • Lifetime free, with no joining or annual fee
  • 5% back on Amazon for Prime members
  • 2% back on bill payments through Amazon Pay
  • Lower 1.99% forex markup
Cons
  • 5% and 1% cashback each capped at ₹1,000 a month
  • Points must be redeemed (minimum 500) and expire after 2 years
  • No rewards on fuel, rent, EMI or government payments
  • Only 3% on Amazon without Prime
  • Flights and hotels booked via Amazon Pay no longer earn the 5%/3% rate
  • 1% fee on wallet loads of ₹5,000+ and on utility payments above ₹50,000 a month (2026)
  • No lounge access
Visit HDFC BankVisit ICICI Bank

FAQs

Which is better, HDFC Millennia or Amazon Pay ICICI?

HDFC Bank Millennia comes out ahead in 7 of 7 spending profiles we tested. Choose HDFC Bank Millennia if you want a card for shoppers on amazon, flipkart, swiggy and zomato. Choose Amazon Pay ICICI Bank if you want a card for amazon prime members who want a no-fee card.

What is the difference in annual fee between HDFC Millennia and Amazon Pay ICICI?

HDFC Bank Millennia: ₹1,000 + GST (waived on ₹1,00,000 yearly spend). Amazon Pay ICICI Bank: Lifetime free (no fee to waive).

Which card has a lower forex markup?

Amazon Pay ICICI Bank has the lower forex markup at 1.99%, compared with 3.5%.

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