HDFC Millennia vs ICICI Amazon Pay vs SC DigiSmart
Side-by-side credit card comparison to help you choose the best one.
Our Pick
ICICI Amazon Pay
4.9
Why this card wins: Everyday Amazon Spends — 5% cashback for Amazon Prime members
| Feature | HDFC Millennia | ICICI Amazon Pay | SC DigiSmart |
|---|---|---|---|
| Bank | HDFC Bank | ICICI Bank | Standard Chartered |
| Card Type | Cashback | Cashback | Cashback |
| Annual Fee | ₹1,000 + GST | Lifetime Free | Lifetime Free |
| Joining Fee | ₹1,000 + GST | Nil | Nil |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 5% cashback for Amazon Prime members | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Online Shopping | Everyday Amazon Spends | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | ₹500 Amazon Pay cashback | None |
| Min Income | ₹25,000/month | ₹15,000/month | ₹20,000/month |
| Lounge Access | 8 domestic per year | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 4.9 | 4.3 |
| Contactless | |||
| EMI Conversion |
Key Features
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
Our Pick
ICICI Amazon Pay
Everyday Amazon Spends
Visa • Cashback
- No joining or annual fee ever
- 3% cashback for non-prime members
- 2% cashback on flights, recharges, bills
- 1% cashback on all other payments
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Verdict
Based on rating and overall value, ICICI Amazon Pay ranks highest among your selected cards. It excels at Everyday Amazon Spends and offers 5% cashback for Amazon Prime members.