Amazon Pay ICICI Credit Card vs HDFC Bank Millennia Credit Card— Detailed Comparison 2026
Choosing between Amazon Pay ICICI Credit Card and HDFC Bank Millennia Credit Card? Both are popular options in the credit card space in India, but they differ in pricing, features, and target audience. In this 2026 comparison, we break down every detail side by side — from fees and benefits to user ratings — so you can make an informed decision.
HDFC Bank Millennia Credit Card
HDFC Bank
★★★★★★4.3
Online shoppers and millennials looking for cashback
Feature-by-Feature Comparison
| Feature | Amazon Pay ICICI Credit Card | HDFC Bank Millennia Credit Card | Winner |
|---|---|---|---|
| Joining Fee | Free | ₹1,000 | ICICI Bank |
| Annual Fee | Free | ₹1,000 | ICICI Bank |
| Annual Fee Waiver | Lifetime free — no annual fee | Waived on annual spends of Rs 1 lakh or above | Tie |
| Reward Rate | 5% on Amazon (Prime), 3% (non-Prime), 2% partner, 1% others | 5% cashback on online spends, 2.5% on others | Tie |
| Reward Point Value | Cashback as Amazon Pay balance | Direct cashback credited to statement | Tie |
| Welcome Bonus | Rs 500 Amazon Pay balance on first transaction | 1,000 cashback points on first spend within 30 days | Tie |
| Lounge Access | No lounge access | 4 domestic airport lounge visits per year | Tie |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver | 1% fuel surcharge waiver on transactions Rs 400–Rs 5,000 | Tie |
| Foreign Transaction Fee | 3.5% + GST | 3.5% + GST | Tie |
| Interest Rate (APR) | 3.4% per month (40.8% per annum) | 3.6% per month (43.2% per annum) | Tie |
| Minimum Income | ₹3 Lakh | ₹4 Lakh | ICICI Bank |
| Contactless Payment | ✔ | ✔ | Tie |
| Add-On Card | ✘ | ✔ | HDFC Bank |
| Card Network | Visa | Visa | Tie |
| Best For | Amazon shoppers and Prime members | Online shoppers and millennials looking for cashback | Tie |
| Overall Rating | ★★★★★★4.6 | ★★★★★★4.3 | ICICI Bank |
Pros & Cons
Amazon Pay ICICI Credit Card
+Advantages
- ✔5% cashback on Amazon for Prime members
- ✔2% on bill payments and Amazon Pay partner merchants
- ✔1% on all other spends
- ✔Lifetime free — zero annual fee
- ✔One of the best free cards in India
−Disadvantages
- ✘Cashback credited as Amazon Pay balance only
- ✘No airport lounge access
- ✘No reward points — only Amazon Pay balance
HDFC Bank Millennia Credit Card
+Advantages
- ✔5% cashback on Amazon, Flipkart, and online spends
- ✔2.5% cashback on all other spends
- ✔Low joining fee of Rs 1,000
- ✔1% fuel surcharge waiver
- ✔Good for online shoppers
−Disadvantages
- ✘Cashback capped at Rs 1,000 per month
- ✘Lower lounge access compared to premium cards
- ✘Annual fee not waived easily
Our Verdict: Amazon Pay ICICI Credit Card vs HDFC Bank Millennia Credit Card
Based on our analysis, Amazon Pay ICICI Credit Card edges ahead with a rating of 4.6/5 compared to HDFC Bank Millennia Credit Card's 4.3/5. With a difference of 0.3 points, Amazon Pay ICICI Credit Card offers a stronger overall package. However, HDFC Bank Millennia Credit Card may be better suited for specific use cases — review the feature-by-feature comparison above to decide what works best for your needs.
Frequently Asked Questions
Which is better — Amazon Pay ICICI Credit Card or HDFC Bank Millennia Credit Card?▾
Based on our analysis, Amazon Pay ICICI Credit Card scores higher with 4.6/5 compared to HDFC Bank Millennia Credit Card's 4.3/5. However, the best choice depends on your specific requirements and priorities.
What is the difference between Amazon Pay ICICI Credit Card and HDFC Bank Millennia Credit Card?▾
Amazon Pay ICICI Credit Card and HDFC Bank Millennia Credit Card differ in several key areas including pricing, features, and target audience. Amazon Pay ICICI Credit Card is best for Amazon shoppers and Prime members, while HDFC Bank Millennia Credit Card is best for Online shoppers and millennials looking for cashback. See the detailed comparison above for a feature-by-feature breakdown.
Is Amazon Pay ICICI Credit Card worth it in 2026?▾
Amazon Pay ICICI Credit Card carries a rating of 4.6/5 on IndiaBestProducts. It is considered a strong option in the Credit Card space. Review the pros and cons listed above to see if it matches your specific needs.
Is HDFC Bank Millennia Credit Card worth it in 2026?▾
HDFC Bank Millennia Credit Card has a rating of 4.3/5. It is recognized for its competitive features in the Credit Card category. Check the detailed specs above to determine if it suits your requirements.
Can I compare more than two credit card products?▾
Yes! Use our interactive comparison tool at /compare to compare up to 3 credit card products side by side. Select your preferred products and get an instant feature-by-feature comparison.
Read Full Reviews
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