- Annual fee ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup 3.5%
- Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter
Pairwise comparison
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HDFC Bank Millennia vs ICICI Bank Amazon Pay Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Millennia and the ICICI Bank Amazon Pay. Verify fees, lounge access, forex markup, and base rewards before you apply.
Forex ICICI Bank Amazon Pay Lounge HDFC Bank Millennia
Quick comparison
Three core metrics- Annual fee ₹0 Lifetime free
- Forex markup 1.99%
- Domestic lounge No complimentary lounge access
Reward earning explained
Per card1% · Up to 5% on Amazon
Limited data1%
Limited dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Millennia: ₹1,000 vs ICICI Bank Amazon Pay: ₹0), forex markup (3.5% vs 1.99%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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Forex markup ICICI Bank Amazon Pay wins ICICI Bank Amazon Pay is better for forex
ICICI Bank Amazon Pay is stronger here. Forex markup is 1.99%.
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Lounge access HDFC Bank Millennia wins HDFC Bank Millennia is better for lounge access
HDFC Bank Millennia is stronger here. Domestic lounge access is 1 per quarter.
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Rewards Tie Both cards are similar for rewards
HDFC Bank Millennia conservative base value ~1% vs ICICI Bank Amazon Pay's ~1%. ICICI Bank Amazon Pay conservative base value ~1% vs HDFC Bank Millennia's ~1%.
HDFC Bank Millennia
Confidence: Low (limited information available)
Verify with issuer , opens external siteICICI Bank Amazon Pay
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- Millennia: ~₹500/month at base rate
- Amazon Pay: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Millennia HDFC Bank | Amazon Pay ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| Forex / International Use | ||
| Forex markup 3.5% vs 1.99% | 3.5% | 1.99% |
| Fees | ||
| Annual fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Joining fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Fee waiver spend Only available for Millennia | ₹1,00,000 | Not specified |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Rewards | ||
| Base cashback Some reward lanes are unsupported — base rate only for comparison. | 1% | 1% |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. | ₹1 | ₹1 |
| Point validity Only available for Millennia | 2 years | Not specified |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.