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Comparison · हिन्दी

Amazon Pay ICICI vs HDFC Millennia

Both cards compared on real rupee returns for best online shopping cashback credit card India. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
ICICI
AMAZON PAY ICI
ASHOK KUMAR
VS
HDFC
MILLENNIA
ASHOK KUMAR
Our verdict
Amazon Pay ICICI Credit Card wins for most people
Amazon Pay ICICI wins with ₹2,400 annual benefit versus HDFC Millennia's ₹1,820. Its higher cashback on shopping and dining, combined with lifetime free status, delivers superior value for this spend profile.
Side-by-side comparison
Amazon Pay ICICI Credit Card ✓ HDFC Millennia Credit Card
Annual benefit ₹2,400 ₹1,820
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹1,000 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No 8 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.99% 3.5%
Best for Amazon Prime members Everyday online shopping with a modest, capped cashback
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹3.5L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Amazon Pay ICICI Credit Card
Choose Card A if you're an Amazon Prime member with regular shopping and dining spends. The 5% cashback on Amazon shopping and higher rewards on partner merchants maximize returns without annual fees.
HDFC Millennia Credit Card
Choose Card B only if you exclusively shop on HDFC's PayZapp/SmartBuy portal and can consistently spend ₹1L+ annually to waive fees. Otherwise, the fee burden outweighs modest cashback benefits.
Who should get which card
Get Amazon Pay ICICI if you…
· Amazon Prime members get 5% cashback on ₹7,000 monthly shopping
· Lifetime free — no annual fee burden
· 2% on Amazon Pay partners covers dining and other spends efficiently
Get HDFC Millennia if you…
· Only if you consistently spend ₹1L+ yearly to waive the ₹1,000 fee
· Useful exclusively for HDFC PayZapp/SmartBuy portal shopping
· Not ideal for this ₹13,000 monthly spend profile
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
HDFC Millennia vs Axis ACE →Amazon Pay ICICI vs Axis Flipkart →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Amazon Pay ICICI Credit Card offers better annual returns for most spend profiles.
Amazon Pay ICICI Credit Card has an annual fee of Lifetime free. HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend).
Amazon Pay ICICI Credit Card offers 5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon. HDFC Millennia Credit Card offers 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping.
Amazon Pay ICICI Credit Card lounge access: No. HDFC Millennia Credit Card lounge access: 8 visits/year (domestic).
Amazon Pay ICICI Credit Card charges 1.99% forex markup. HDFC Millennia Credit Card charges 3.5% forex markup.