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HDFC Bank Millennia vs ICICI Bank Coral Visa Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Millennia and the ICICI Bank Coral Visa. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Millennia for rewards.
Head-to-head
Three core metrics- Annual fee Coral Visa saves ₹500/yrMillennia ₹1,000 Waivable at ₹1,00,000 spendCoral Visa ₹500 Waivable at ₹1,50,000 spend
- Forex markup Millennia 3.5%Coral Visa 3.5%
- Domestic lounge Millennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)Coral Visa 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card2 pts / ₹100
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 Coral Visa: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter.
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Rewards HDFC Bank Millennia wins HDFC Bank Millennia is better for rewards
HDFC Bank Millennia is stronger here. HDFC Bank Millennia conservative base value ~1% vs ICICI Bank Coral Visa's ~0.5%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Millennia: ~₹500/month at base rate
- Coral: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| Field | Millennia HDFC Bank | Coral Visa ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| First-year cost Only available for Millennia | ₹1,000 | Not specified |
| Annual-fee waiver ₹1,00,000 vs ₹1,50,000 | ₹1,00,000 | ₹1,50,000 |
| 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 · ₹400–₹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 · ₹400–₹4,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Base earn 1% vs 2 pts / ₹100 | 1% | 2 pts / ₹100 |
| Conservative base value ~1% vs ~0.5% | ~1% | ~0.5% |
| Earn ceiling ₹1,000 per calendar month vs Not stated | ₹1,000 per calendar month | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Millennia | ₹1 | Not specified |
| 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)
- ICICI Bank Coral Credit Card: Condition: ₹75,000 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 Coral Visa
Verify with issuer , opens external site