Compare the published economics of both cards. The better choice depends on where you spend and whether your rewards exceed the recurring fee.
Swipe sideways to see all 2 cards.
| Feature | ICICI Bank Amazon Pay ICICI Bank Credit Card | HDFC Bank HDFC Millennia Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | ICICI Bank | HDFC Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | ₹1,000 + GST per year |
| Annual fee waiver | None recorded | ₹1,00,000 |
| Base reward rate | 1% | 1% |
Limits and access Check caps and everyday usability before deciding. | ||
| General monthly reward cap | No general cap | No general cap |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 2.0% | 3.5% |
| Best suited to | Amazon Prime shoppers who want a no-fee card and are comfortable receiving rewards as Amazon Pay balance. | Salaried individuals with diversified spending across top 10 Indian digital apps. |
| Main trade-off | The 5% Amazon rate requires Prime membership; non-Prime members get 3%. International, education, fuel, rent and tax transactions earn no rewards. Utility payments outside Amazon and EMI transactions also earn no rewards. The card is invite-only. | The 5% and 1% buckets each have a separate 1,000-CashPoint monthly cap. Minimum 500 CashPoints are needed to redeem, with a 3,000-point monthly redemption limit. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
GainFair compares annual rewards after caps, fees, GST and exclusions instead of declaring one universal winner.
Ask the advisor