HDFC Millennia vs ICICI Sapphiro vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Millennia | ICICI Sapphiro | Kotak Royale Signature |
|---|---|---|---|
| Bank | HDFC Bank | ICICI Bank | Kotak Mahindra |
| Annual Fee | ₹1,000 + GST | ₹3,500 + GST | ₹999 + GST |
| Joining Fee | ₹1,000 + GST | ₹3,500 + GST | ₹999 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 2-4 PAYBACK points per ₹100 | 4 reward points per ₹150 on all spends |
| Best For | Online Shopping | Travel & Lifestyle | Travel & Entertainment |
| Card Type | Cashback | Premium | Premium |
| Rating | 4.6 | 4.4 | 4.3 |
HDFC Millennia
Online Shopping
- ✓ 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
- ✓ Buy 1 Get 1 Free on movie tickets (BookMyShow)
- ✓ Dreamfolks Membership for lounges
- ✓ 4 domestic lounge visits per quarter
- ✓ Welcome vouchers worth ₹9000+
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
Our Recommendation
Based on rating and overall value, HDFC Millennia currently ranks highest among your selected cards.