HDFC Millennia vs ICICI Sapphiro vs Federal Celesta
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Millennia
4.6
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | HDFC Millennia | ICICI Sapphiro | Federal Celesta |
|---|---|---|---|
| Bank | HDFC Bank | ICICI Bank | Federal Bank |
| Card Type | Cashback | Premium | Premium |
| Annual Fee | ₹1,000 + GST | ₹3,500 + GST | ₹1,499 + GST |
| Joining Fee | ₹1,000 + GST | ₹3,500 + GST | ₹1,499 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 2-4 PAYBACK points per ₹100 | 4 reward points per ₹150 spent |
| Best For | Online Shopping | Travel & Lifestyle | Travel & Entertainment |
| 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 | ₹3,00,000 - ₹10,00,000 | ₹1,00,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | Vouchers worth ₹9,000+ | 1000 reward points on activation |
| Min Income | ₹25,000/month | ₹50,000/month | ₹30,000/month |
| Lounge Access | 8 domestic per year | 16 domestic + 4 international per year | 6 domestic + 3 international per year |
| 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 | ₹500 + GST | Free |
| Rating | 4.6 | 4.4 | 4.1 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
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 Sapphiro
Travel & Lifestyle
Visa • Premium
- Buy 1 Get 1 Free on movie tickets (BookMyShow)
- Dreamfolks Membership for lounges
- 4 domestic lounge visits per quarter
- Welcome vouchers worth ₹9000+
Federal Celesta
Travel & Entertainment
Visa • Premium
- 6 domestic + 3 international lounge visits
- Buy 1 Get 1 on movie tickets
- 2X rewards on weekend dining
- Annual fee waiver on ₹3L spend
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.