Which card has a lower forex fee: HDFC Millennia Credit Card or ICICI Bank Coral RuPay Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Millennia Credit Card or ICICI Bank Coral RuPay Credit Card?

ICICI Bank Coral RuPay Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

HDFC Millennia Credit Card: 4/year domestic lounge. ICICI Bank Coral RuPay Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

HDFC Millennia Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Add another card →

HDFC Bank Millennia vs ICICI Bank Coral RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Millennia and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

Low fee ICICI Bank Coral RuPay upi ICICI Bank Coral RuPay

Quick comparison

Three core metrics

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Coral RuPay ICICI Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Millennia

5% on Shopping + 1% on General spend

Limited data

Coral RuPay

3 pts / ₹150 on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Millennia: ₹1,000 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Millennia: Limited data Coral RuPay: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4/year.

Millennia: Limited data Coral RuPay: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Millennia has comparable evidence here. Estimated base reward value is ~1% on base spend.

Millennia: Limited data Coral RuPay: Limited data
Annual fee ICICI Bank Coral RuPay wins

ICICI Bank Coral RuPay is better for fees

ICICI Bank Coral RuPay is stronger here. ICICI Bank Coral RuPay has a lower annual fee (₹500 vs ₹1,000).

Millennia: Limited data Coral RuPay: Limited data
upi ICICI Bank Coral RuPay wins

ICICI Bank Coral RuPay is better for UPI usage

ICICI Bank Coral RuPay is stronger here. Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Millennia: ~₹500/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Millennia HDFC Bank	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits	4/year	4/year
International lounge visits Only available for Millennia	6/year	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,000 vs ₹500	₹1,000	₹500
Joining fee ₹1,000 vs ₹500	₹1,000	₹500
Fee waiver spend Only available for Millennia	₹1,00,000	Not specified
Rewards
Reward points (base spend) 1 pts/₹100 vs 3 pts/₹150	1 pts/₹100	3 pts/₹150
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.