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YES Bank Updated 04 Jul 2026 ยท Data sourced from official bank MITC documents
Amazon Pay ICICI Bank costs nothing to hold, while HDFC Millennia charges a fee justified mainly by its stronger benefits. Amazon Pay ICICI Bank is built around Amazon Pay Balance, while HDFC Millennia leans on CashPoints. Pick based on which reward style matches your actual spending โ see the full breakdown below.
| Feature | Amazon Pay ICICI Bank Credit Card | HDFC Millennia Credit Card |
|---|---|---|
 |
 |
|
| Annual Fee | Nil โ Lifetime Free | โน1,000 (waived โน1L+) |
| Renewal Fee Waiver | No fee โ lifetime free card | Waived on annual spends of โน1 lakh or more in previous membership year |
| Reward Type | Amazon Pay Balance | CashPoints |
| Reward Rate | 5% unlimited cashback on Amazon.in for Prime members (3% for non-Prime); 2% cashback at 100+ Amazon Pay partner merchants; 1% cashback on all other eligible spends | 5% cashback (as CashPoints) on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, SonyLIV, and Cult.fit; 1% cashback on all other eligible spends; both categories capped at 1,000 CashPoints per billing cycle each (total max โน2,000/month) |
| Welcome Benefit | โน200 Amazon Pay cashback on activation | 1,000 CashPoints (โน1,000) on joining fee payment |
| Lounge Access | Not available on this card | 1 complimentary domestic lounge visit per quarter on spending โน1 lakh in that quarter (milestone benefit). Can also be earned as quarterly milestone reward choice. |
| Forex Markup | 1.99% + GST on international transactions (reduced from 3.5% effective October 2025) | 3.5% + GST on international transactions |
| Milestone Rewards | No milestone benefits | โน1,000 gift voucher OR 1 complimentary domestic airport lounge visit on spending โน1 lakh per calendar quarter; 10% additional savings on hotel and flight bookings via SmartBuy |
| Insurance Cover | Embedded microchip for anti-counterfeiting; 3D Secure for all online transactions | Zero lost card liability on immediate reporting |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations on transactions up to โน4,000 | 1% fuel surcharge waiver; max โน250 per billing cycle |
| Eligibility | Age 21โ60 years; salaried or self-employed; minimum monthly income โน20,000 (ICICI customers) or โน25,000 (non-ICICI customers); must have Amazon.in account; invite-only programme โ apply via Amazon app or ICICI Bank | Age 21โ60 years (salaried), up to 65 years (self-employed); salaried minimum monthly income โน35,000; self-employed minimum annual ITR โน6 lakh; good credit history required |
Want to compare more cards side-by-side? Use our Compare Tool โ
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Amazon Pay ICICI Bank Credit Card
Amazon Prime members, frequent online shoppers, those who want a no-fee card with good rewards On fees: Nil โ Lifetime Free. Rewards: Amazon Pay Balance
Read full review โHDFC Millennia Credit Card
Millennials and young professionals who frequently shop on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, SonyLIV, and Cult.fit On fees: โน1,000 (waived โน1L+). Rewards: CashPoints
Read full review โChoose Amazon Pay ICICI Bank Credit Card if you:
- Amazon Prime members, frequent online shoppers, those who want a no-fee card with good rewards
- Want a card with no annual fee to worry about
- Want rewards structured as Amazon Pay Balance
- Value complimentary airport lounge access
- Want a strong welcome benefit (โน200 Amazon Pay cashback on activation)
Choose HDFC Millennia Credit Card if you:
- Millennials and young professionals who frequently shop on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, SonyLIV, and Cult
- Want rewards structured as CashPoints
- Value complimentary airport lounge access
- Want a strong welcome benefit (1,000 CashPoints (โน1,000) on joining fee payment)