1% · 5% on eligible amazon, bookMyShow, cult.fit, flipkart, myntra, sonyLIV, swiggy, tata CLiQ, uber, and zomato
Strong data Pairwise comparison
Compare 3+ cards →
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.
The short answer
VerdictPick Millennia for lounge access.
Pick Amazon Pay for spending abroad.
Head-to-head
Three core metrics- Annual fee Amazon Pay saves ₹1,000/yrMillennia ₹1,000 Waivable at ₹1,00,000 spendAmazon Pay ₹0
- Forex markup Amazon Pay saves ~₹1,510 per ₹1L abroadMillennia 3.5%Amazon Pay 1.99%
- Domestic lounge Millennia: +4 lounge visits/yrMillennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)Amazon Pay No complimentary lounge access
Reward earning explained
Per card1%
Strong 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).
-
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%.
-
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.
-
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%.
All 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.
| Field | Millennia HDFC Bank | Amazon Pay ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| International lounge visits Only available for Millennia | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup 3.5% vs 1.99% | 3.5% | 1.99% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| First-year cost ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Annual-fee waiver 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 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Millennia | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded vs 1% surcharge waiver · up to ₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded | 1% surcharge waiver · up to ₹4,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Base cashback Some reward lanes are unsupported — base rate only for comparison. | 1% | 1% |
| Earn ceiling ₹1,000 per calendar month vs Uncapped | ₹1,000 per calendar month | Uncapped |
| 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
- HDFC Millennia Credit Card: Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HDFC Bank Millennia
Verify with issuer , opens external siteICICI Bank Amazon Pay
Verify with issuer , opens external site