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 annual fee vs ₹1,000 annual fee from second year).

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.

Millennia

HPCL Super Saver

The short answer

Verdict

No decisive winner on the core dimensions — the head-to-head below shows where the small differences are.

Head-to-head

Three core metrics

Annual fee

Millennia ₹1,000 Waivable at ₹1,00,000 spend

HPCL Super Saver ₹500 Waivable at ₹1,50,000 or more spend

HPCL Super Saver saves ₹500/yr
Forex markup

Millennia 3.5%

HPCL Super Saver 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)

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)

Reward earning explained

Per card

Millennia

1% · 5% on eligible amazon, bookMyShow, cult.fit, flipkart, myntra, sonyLIV, swiggy, tata CLiQ, uber, and zomato

Strong data

HPCL Super Saver

10 pts / ₹150

Strong 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: Strong data HPCL Super Saver: Strong data

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.

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/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹4,000 transactions	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
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
Earn ceiling ₹1,000 per calendar month vs ₹200 per month	₹1,000 per calendar month	₹200 per month
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 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

ICICI Bank HPCL Super Saver

Verify with issuer