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 Bank |
| Annual Fee | ₹1,000 | ₹3,500 | ₹999 |
| Joining Fee | ₹1,000 | ₹3,500 | ₹999 |
| Rewards | 5% cashback on Amazon, Flipkart | 2 reward points per ₹100 | 4 reward points per ₹150 |
| Best For | Online Shopping | Travel | Lifestyle |
| Card Type | Cashback | Premium | Premium |
| Rating | 4.2 | 4.4 | 4.1 |
HDFC Millennia
Online Shopping
- ✓ 5% cashback online
- ✓ 1% cashback offline
- ✓ Welcome voucher ₹1,000
- ✓ No annual fee on ₹1L spend
ICICI Sapphiro
Travel
- ✓ Domestic & international lounge
- ✓ Golf privileges
- ✓ Buy 1 Get 1 movies
- ✓ Fuel surcharge waiver
Kotak Royale Signature
Lifestyle
- ✓ Lounge access
- ✓ Movie offers
- ✓ Dining discounts
- ✓ Insurance cover
Our Recommendation
Based on rating and overall value, ICICI Sapphiro currently ranks highest among your selected cards. Choose based on your actual spend pattern: travel, shopping, cashback, or premium benefits.