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

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

Which card offers better lounge access?

HDFC Millennia Credit Card: No domestic lounge. ICICI Bank Coral 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%).

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.

Lounge → ICICI Bank Coral Visa ICICI Bank Coral Visa is stronger here. Domestic lounge access is 4/year.

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

Quick comparison

Feature	Millennia	Coral Visa
Annual fee	₹1,000 Waivable at ₹1,00,000 spend	₹500 Waivable at ₹1,50,000 spend
Forex fee	3.5%	3.5%
Domestic lounge	No lounge access	4/year

Fees: Coral Visa wins

Confidence: High

Forex: Tie

Confidence: High

Lounge: Coral Visa wins

Confidence: High

Millennia 5% on Shopping + 1% on General spend Strong data

Coral Visa 2 pts / ₹100 on General spend Strong data

Pick based on what matters

Start 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 (No lounge access vs 4/year).

Both cards are similar for forex Strong data vs Strong data Forex markup is 3.5%.
ICICI Bank Coral Visa is better for lounge access Strong data vs Strong data ICICI Bank Coral Visa is stronger here. Domestic lounge access is 4/year.
Insufficient data to compare rewards Strong data vs Strong data Only HDFC Bank Millennia has comparable evidence here. Estimated base reward value is ~1% on base spend.
ICICI Bank Coral Visa is better for fees Strong data vs Strong data ICICI Bank Coral Visa is stronger here. ICICI Bank Coral Visa has a lower annual fee (₹500 vs ₹1,000).
Both cards are similar for UPI usage Visa network does not support UPI payments.

Explore: HDFC Bank Millennia card page · ICICI Bank Coral Visa card page · best credit cards in India

Standard view

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.

	Millennia HDFC Bank	Coral Visa ICICI Bank
Lounge Access
Domestic lounge visits No lounge access vs 4/year	No lounge access	4/year
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 ₹1,00,000 vs ₹1,50,000	₹1,00,000	₹1,50,000
Rewards
Points per ₹100 1 pts vs 2 pts	1 pts	2 pts
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.

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

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes