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: 4/year domestic lounge. ICICI Bank HPCL Super Saver Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

ICICI Bank HPCL Super Saver Credit Card has higher base reward value (~1.67% vs ~1%).

Pairwise comparison Add another card →

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.

Rewards ICICI Bank HPCL Super Saver Low fee ICICI Bank HPCL Super Saver

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

HPCL Super Saver ICICI Bank

Annual fee ₹500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Millennia

5% on Shopping + 1% on General spend

Limited data

HPCL Super Saver

10 pts / ₹150 on General spend

Pick based on what matters

5 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 vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Millennia: Limited data HPCL Super Saver: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4/year.

Millennia: Limited data HPCL Super Saver: Limited data
Rewards ICICI Bank HPCL Super Saver wins

ICICI Bank HPCL Super Saver is better for rewards

ICICI Bank HPCL Super Saver is stronger here. ICICI Bank HPCL Super Saver returns ~1.7% vs HDFC Bank Millennia's ~1.0% at base spend.

Millennia: Limited data
Annual fee ICICI Bank HPCL Super Saver wins

ICICI Bank HPCL Super Saver is better for fees

ICICI Bank HPCL Super Saver is stronger here. ICICI Bank HPCL Super Saver has a lower annual fee (₹500 vs ₹1,000).

Millennia: Limited data HPCL Super Saver: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments. Mastercard network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HPCL Super Saver: ~₹830/month at base rate
Millennia: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Millennia HDFC Bank	HPCL Super Saver ICICI Bank
Lounge Access
Domestic lounge visits	4/year	4/year
International lounge visits 6/year vs 4/year	6/year	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
Reward points (base spend) 1 pts/₹100 vs 10 pts/₹150	1 pts/₹100	10 pts/₹150
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.