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

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

Which card offers better lounge access?

HDFC Millennia Credit Card: 1 per quarter domestic lounge. ICICI Bank HPCL Super Saver Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank Millennia vs ICICI Bank HPCL Super Saver Credit Cards – Fees, Lounge, Forex

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

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 (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter

HPCL Super Saver ICICI Bank

Annual fee ₹500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter

Reward earning explained

Per card

Millennia

1% · Up to 5% on Amazon

Limited data

HPCL Super Saver

10 pts / ₹150

Limited data

Pick based on what matters

3 dimensions

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

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: HDFC Bank Millennia conservative base value ~1% per ₹100. ICICI Bank HPCL Super Saver is not safely INR-comparable (no usable point value).

Millennia: Limited data HPCL Super Saver: Limited data

HDFC Bank Millennia

Confidence: Low (limited information available)

Verify with issuer

ICICI Bank HPCL Super Saver

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Millennia: ~₹500/month at base rate
HPCL Super Saver: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Millennia HDFC Bank	HPCL Super Saver ICICI Bank
Lounge Access
Domestic lounge visits	4/year (1 per quarter)	4/year (1 per quarter)
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
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Base earn 1% vs 10 pts / ₹150	1%	10 pts / ₹150
Conservative base value ~1% vs Not safely INR-comparable	~1%	Not safely INR-comparable
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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.