Introduction
The credit card market in India is rapidly evolving, with users seeking the best rewards and cashback aligned with their spending habits. In this blog, we compare two popular credit cards: HDFC Millennia Credit Card and ICICI Amazon Pay Credit Card. Both cards offer unique benefits and suit different user needs. This detailed comparison will help you understand the features, fees, rewards, and perks in 2025 so you can choose the right card for yourself.
Feature | HDFC Millennia Credit Card | ICICI Amazon Pay Credit Card |
---|---|---|
Annual Fee | ₹1,000 + GST (waived in some offers) | ₹500 + GST (waived in some offers) |
Joining Fee | None or waived | None |
Reward Rate | 5X on Amazon, Flipkart, Myntra | 5% cashback on Amazon, Flipkart, and more |
Fuel Surcharge Waiver | Up to ₹500/month | Up to ₹500/month |
Lounge Access | No | No |
Milestone Benefits | Cashback on spends over ₹1.5 lakh/year | Cashback on spends over ₹50,000/year |
Eligibility | Salaried & Self-employed with ₹25,000+ monthly income | Salaried & Self-employed with ₹25,000+ monthly income |
Interested in applying? Use the links below to check eligibility and apply instantly:
Q1. Do both cards offer fuel surcharge waiver?
Yes, both cards provide a 1% fuel surcharge waiver up to ₹500 per month.
Q2. Do reward points or cashback expire?
HDFC Millennia reward points expire after 2 years, whereas ICICI Amazon Pay cashback is credited instantly to your Amazon Pay balance.
Both cards excel in their own domains, and the choice depends on your shopping preferences. If you want diverse rewards across multiple e-commerce platforms, HDFC Millennia is a solid choice. However, if your spending is primarily on Amazon and Flipkart, ICICI Amazon Pay Credit Card offers simpler, higher cashback. Visit CardMela.com to compare full features and apply with ease.
A: Generally, physical card swiping is required for complimentary access.
Rubaani Pearl is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.
Whether you’re looking for cashback, travel rewards, fuel savings, or lifetime free cards — CardMela helps you compare, analyze, and choose the credit card that fits your lifestyle perfectly. We partner with leading partners to bring you exclusive offers and detailed insights, so you can make smart financial decisions with confidence.
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