HDFC Millennia vs ICICI Coral
Side-by-side credit card comparison to help you choose the best one.
HDFC Millennia
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | ICICI Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | ₹1,000 + GST | ₹500 + GST |
| Joining Fee | ₹1,000 + GST | ₹500 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 2 points per ₹100 on all spends |
| Best For | Online Shopping | First Time Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | None |
| Min Income | ₹25,000/month | ₹20,000/month |
| Lounge Access | 8 domestic per year | 4 domestic per year (1/quarter) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.1 |
| 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
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
Verdict
Based on rating and overall value, HDFC Millennia ranks highest among your selected cards. It excels at Online Shopping and offers 5% Cashback on Amazon, Flipkart, Swiggy.
Frequently asked questions
Which is better: HDFC Millennia or ICICI Coral?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. ICICI Coral is the better fit if your priority is first time users. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and ICICI Coral?
ICICI Coral is cheaper to hold at ₹500 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and ICICI Coral offer airport lounge access?
HDFC Millennia: 8 domestic per year. ICICI Coral: 4 domestic per year (1/quarter).
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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