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HDFC Millennia

ICICI Platinum Chip

Joining Fees

Rs.1000 + taxes


Renewal Fees / Annual Fees

Rs.5000 + taxes, which can be waived off upon spends worth Rs.1 lakh in the previous year


Add-On Card Charges

Life-Time Free


Interest Charges

3.49% per month

3.40% per month

Late Payment Charges

Less than Rs. 100 – Nil

Rs.100 to Rs.500 – Rs.100

Rs.501 to Rs.5,000 - Rs.500

Rs.5,001 to Rs.10,000 – Rs.600

Rs.10,001 to Rs.25,000 – Rs.800

Rs.25,001 to Rs.50,000 – Rs.1100

More than Rs.50,000 – Rs.1300

Less than Rs.100 None

Between Rs.100 - Rs.500 = Rs.100

Between Rs.501 - Rs.10,000 = Rs.500

More than Rs.10,000 = Rs.750

Age Eligibility

Min 21 years and Max 60 Years

Min. 23 years old

Minimum Income Eligibility

Rs.25,000 per month for salaried

Rs.6 LPA for self-employed

Rs.15,000 per month

Reward Program

HDFC Millennia

ICICI Platinum Chip

- You get 5% cashback for shopping at Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy

- Get 2.5% cashback on all online transactions

- Get 1% cashback 

- 2 Payback points for every Rs.100 spent on retail purchases (not applicable for fuel purchase)

- 1 Payback point for every Rs.100 spent on utility bills and insurance categories

Additional Benefits and Features

HDFC Millennia

ICICI Platinum Chip

1. 8 Complimentary Domestic Lounge Access for every calendar year

2. 1% fuel surcharge waiver at all fuel stations across India

3. During the first year, get Rs.1000 worth gift vouchers on spends of Rs.1,00,000 and above in each calendar quarter

4. Welcome Benefit of 1000 Cashback points

5. Get first-year membership fee waived off when you spend more than Rs.30000 in the first 90 days

6. Card is enabled for Contactless Payment

1. Get an additional layer of security with a chip-enabled Contactless Card

2. 1% fuel surcharge waiver on fuel purchases of Rs.4000 and above at HPCL Petrol Pumps

3. ICICI Bank Culinary Treats programme gets you 15% discounts on food bills across 2500+ restaurants

4. Visa card variants offer a Global Emergency Assistance Service for any help with card loss, emergency card replacement, emergency cash advances, and other assistance


  • HDFC Millennia Credit Card seems to offer premium benefits while ICICI Platinum Credit Card is more of a basic starter card.
  • HDFC Millenia credit card offers cashback for your transactions while ICICI Platinum Card gives you reward points. While HDFC Millenia gives cashback on a wide range of transactions, the rewards on the ICICI Platinum credit card are not up to the mark.
  • But ICICI Platinum card comes with nil annual fees or membership fee while the HDFC Millenia card has a considerable annual fee component.

So, if you are a frequent traveller and use your credit card a lot, the HDFC Millenia card is suitable for you. ICICI Platinum card is good enough for beginner users whose main spending will be online shopping and fuel.

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