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Millennia vs Coral – Full comparison
Both cards verified with issuer
Millennia source Coral sourceForex costs are a key difference
Key differences
Best forex Millennia 2%
Lowest fee Coral ₹500
Best lounge Coral 4/year lounge
Spend context
At ₹50k/month spend:
- Millennia: ~₹1,000/month at base rate
- Coral: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Millennia HDFC | Coral ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits None vs 4/year | None | 4/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Annual fee ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| Joining fee ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| Fee waiver spend ₹1,00,000 vs ₹1,50,000 | ₹1,00,000 | ₹1,50,000 |
| Rewards | ||
| Points per ₹150 Only available for Millennia | 3 pts | Check issuer |
| Point cash value Only available for Millennia | ₹1 | Check issuer |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
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- Coral vs Amazon Pay ICICI vs ICICI
- Coral vs Rubyx American Express ICICI vs ICICI
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.