HDFC Millennia Credit Card vs ICICI Amazon Pay Credit Card – Which is Better in 2025?

HDFC Millennia Credit Card vs ICICI Amazon Pay Credit Card – Which is Better in 2025?

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.


1. Card Overview

FeatureHDFC Millennia Credit CardICICI Amazon Pay Credit Card
Annual Fee₹1,000 + GST (waived in some offers)₹500 + GST (waived in some offers)
Joining FeeNone or waivedNone
Reward Rate5X on Amazon, Flipkart, Myntra5% cashback on Amazon, Flipkart, and more
Fuel Surcharge WaiverUp to ₹500/monthUp to ₹500/month
Lounge AccessNoNo
Milestone BenefitsCashback on spends over ₹1.5 lakh/yearCashback on spends over ₹50,000/year
EligibilitySalaried & Self-employed with ₹25,000+ monthly incomeSalaried & Self-employed with ₹25,000+ monthly income

2. Rewards & Cashback Comparison

  • HDFC Millennia: Apply Now!
    • Earn 5X reward points on Amazon, Flipkart, and Myntra — perfect for avid online shoppers.
    • 2X rewards on dining, groceries, and utility bill payments.
    • Fuel surcharge waiver of 1% up to ₹500 per month.
  • ICICI Amazon Pay:
    • Get 5% cashback on Amazon and Flipkart spends.
    • 2% cashback on utilities and mobile recharges.
    • Fuel surcharge waiver of 1% up to ₹500 per month.

3. Fees & Charges

  • HDFC Millennia carries an annual fee of ₹1,000 + GST, which is often waived in promotional offers for the first year.
  • ICICI Amazon Pay Credit Card has a lower annual fee of ₹500 + GST, which can also be waived under certain conditions.
  • Both cards apply late payment fees and cash withdrawal charges as per bank policies.

4. Additional Benefits

  • HDFC Millennia: Receive two complimentary movie tickets on monthly spends exceeding ₹3,000. – Apply Now!
  • ICICI Amazon Pay: Enjoy Amazon Pay balance offers and exclusive deals during Amazon sale events. – Apply Now!

5. Who Should Choose Which?

  • HDFC Millennia: Best suited for users who shop across multiple online platforms and seek additional lifestyle benefits. – Apply Now!
  • ICICI Amazon Pay: Ideal for users focused mainly on Amazon and Flipkart shopping who prefer straightforward cashback rewards. – Apply Now!

6. How to Apply?

Interested in applying? Use the links below to check eligibility and apply instantly:


FAQs

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.


Conclusion

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.

Author Bio:

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.

Compare & Apply Best Credit Cards.