1% · 5% on eligible amazon, bookMyShow, cult.fit, flipkart, myntra, sonyLIV, swiggy, tata CLiQ, uber, and zomato
Strong data Pairwise comparison
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HDFC Millennia vs ICICI HPCL Super Saver
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.
The short answer
HPCL Super Saver costs ₹500 less a year but waives only at ₹1,50,000 or more spend, Millennia at ₹1,00,000.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹500/yr apart · waiver gates differMillennia ₹1,000 Waivable at ₹1,00,000 spendHPCL Super Saver ₹500 Waivable at ₹1,50,000 or more spend
- Forex markup Forex markup outcome: tie. Millennia 3.5%HPCL Super Saver 3.5%
- Domestic lounge Domestic lounge outcome: tie. Millennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)HPCL Super Saver 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Rewards Rewards outcome: insufficient data to compare. conservative base valueMillennia ~1%HPCL Super Saver Not safely INR-comparable
Reward earning explained
2 pts / ₹100 · 20 points/₹100 on eligible departmental Stores, grocery, and utilities
Strong dataExample 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.
All fields
| Field | Millennia HDFC Bank | HPCL Super Saver 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 ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| Annual-fee waiver ₹1,00,000 vs ₹1,50,000 or more | ₹1,00,000 | ₹1,50,000 or more |
| 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 | ₹100–₹1,300 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/statement waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹4,000 transactions | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/statement waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions |
| Rewards | ||
| Base earn 1% vs 2 pts / ₹100 | 1% | 2 pts / ₹100 |
| Conservative base value ~1% vs Not safely INR-comparable | ~1% | Not safely INR-comparable |
| Earn ceiling ₹1,000 per calendar month vs 400 points per month — shared across Departmental Stores, Grocery & Utilities | ₹1,000 per calendar month | 400 points per month — shared across Departmental Stores, Grocery & Utilities |
| 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 2 years vs 3 years | 2 years | 3 years |
Notes
- HDFC Millennia Credit Card: Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
- ICICI Bank HPCL Super Saver 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 HPCL Super Saver
Verify with issuer , opens external site