ICICI Sapphiro vs HDFC Millennia
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 | ICICI Sapphiro | HDFC Millennia |
|---|---|---|
| Bank | ICICI Bank | HDFC Bank |
| Card Type | Premium | Cashback |
| Annual Fee | ₹3,500 + GST | ₹1,000 + GST |
| Joining Fee | ₹3,500 + GST | ₹1,000 + GST |
| Rewards | 2-4 PAYBACK points per ₹100 | 5% Cashback on Amazon, Flipkart, Swiggy |
| Best For | Travel & Lifestyle | Online Shopping |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | Vouchers worth ₹9,000+ | 1000 Cash Points on first txn |
| Min Income | ₹50,000/month | ₹25,000/month |
| Lounge Access | 16 domestic + 4 international per year | 8 domestic per year |
| 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 | ₹500 + GST | Free |
| Rating | 4.4 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
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+
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
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.