HDFC Millennia vs ICICI Platinum Chip
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 | ₹199 + GST |
| Joining Fee | ₹1,000 + GST | ₹199 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 2 PAYBACK points per ₹100 on all spends |
| Best For | Online Shopping | Budget 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 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | 1000 Cash Points on first txn | None |
| Min Income | ₹25,000/month | ₹12,000/month |
| Lounge Access | 8 domestic per year | None |
| 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 | 3.9 |
| 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 Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
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 Platinum Chip?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. ICICI Platinum Chip is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and ICICI Platinum Chip?
ICICI Platinum Chip is cheaper to hold at ₹199 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and ICICI Platinum Chip offer airport lounge access?
HDFC Millennia: 8 domestic per year. ICICI Platinum Chip: no complimentary lounge access.
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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