ICICI Bank Platinum Chip Credit Card
ICICI Bank
HDFC Millennia Credit Card
HDFC Bank
ACE Credit Card
Axis Bank
- CardCheck Score
- 56
- 73
- 79Best
- Rating Verdict
- Fair
- Very Good
- Very Good
- Reward Power (35%)
- 15/35
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 20/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- 11/20
- Forex & Access (20%)
- 12/20
- 8/20
- 12/20
- Bank
- ICICI Bank
- HDFC Bank
- Axis Bank
- Network
- Visa
- Visa, Mastercard, Diners, RuPay
- Visa
- Card type
- Regular
- Regular
- Regular
- Best for
- First Credit Card
- online shoppers
- Cashback on utility bills via Google Pay and daily spending
- Joining fee
- FreeBest
- ₹1,000
- ₹499
- Annual fee
- FreeBest
- ₹1,000
- ₹499
- Fee waiver
- —
- ₹1,00,000Best
- ₹2,00,000
- Interest-free days
- 50
- 50
- 50
- APR (min)
- 41.88%Best
- 43.2%
- 55.55%
- APR (max)
- 45%
- 43.2%Best
- 55.55%
- Late payment fee
- ₹1,300
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- 2.5%
- Reward type
- points
- cashback
- cashback
- Min rate
- 0.5%
- 1%
- 1.5%Best
- Max rate
- 0.5%
- 5%Best
- 5%Best
- Points / ₹100
- —
- 1
- —
- Point value
- ₹0.25
- ₹1
- —
- Monthly cap
- —
- ₹2,000
- —
- Domestic lounge / qtr
- 0
- 1Best
- 1Best
- Lounge spend criteria
- —
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- ₹50,000 spend in the previous 3 calendar months.
- Intl lounge / year
- 0
- 0
- —
- Priority Pass
- DreamFolks
- Forex markup
- 3.5%
- 3.5%
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 21
- 18
- Min income / month
- ₹16,667
- ₹35,000
- ₹25,000
- Min CIBIL
- 650Best
- —
- 700
- Invite only
| Attribute ↓ | Column A | Column B | ★ Overall pick Column C |
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 56 | 73 | 79Best |
| Rating Verdict | Fair | Very Good | Very Good |
| Reward Power (35%) | 15/35 | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 20/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 8/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | ICICI Bank | HDFC Bank | Axis Bank |
| Network | Visa | Visa, Mastercard, Diners, RuPay | Visa |
| Card type | Regular | Regular | Regular |
| Best for | First Credit Card | online shoppers | Cashback on utility bills via Google Pay and daily spending |
03—Fees Differences highlighted | |||
| Joining fee | FreeBest | ₹1,000 | ₹499 |
| Annual fee | FreeBest | ₹1,000 | ₹499 |
| Fee waiver | — | ₹1,00,000Best | ₹2,00,000 |
| Interest-free days | 50 | 50 | 50 |
04—Interest Differences highlighted | |||
| APR (min) | 41.88%Best | 43.2% | 55.55% |
| APR (max) | 45% | 43.2%Best | 55.55% |
| Late payment fee | ₹1,300 | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | points | cashback | cashback |
| Min rate | 0.5% | 1% | 1.5%Best |
| Max rate | 0.5% | 5%Best | 5%Best |
| Points / ₹100 | — | 1 | — |
| Point value | ₹0.25 | ₹1 | — |
| Monthly cap | — | ₹2,000 | — |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | 0 | 1Best | 1Best |
| Lounge spend criteria | — | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher | ₹50,000 spend in the previous 3 calendar months. |
| Intl lounge / year | 0 | 0 | — |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 3.5% | 3.5% | 3.5% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Min age | 21 | 21 | 18 |
| Min income / month | ₹16,667 | ₹35,000 | ₹25,000 |
| Min CIBIL | 650Best | — | 700 |
| Invite only | |||
| Rows won | 04of 10 | 04of 10 | 02of 10 |
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Frequently Asked Questions: ICICI Bank Platinum Chip Credit Card vs HDFC Millennia Credit Card
Which is better: ICICI Bank Platinum Chip Credit Card or HDFC Millennia Credit Card?
HDFC Millennia Credit Card holds a higher overall rating with a CardCheck Score of 73/100 (Very Good) compared to 56/100 (Fair) for ICICI Bank Platinum Chip Credit Card (a lead of +17 points). HDFC Millennia Credit Card provides better net value across rewards and fee structures.
How do annual fees and fee waiver spend rules compare?
ICICI Bank Platinum Chip Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh.
How do the reward rates and cashback compare between ICICI Bank Platinum Chip Credit Card and HDFC Millennia Credit Card?
ICICI Bank Platinum Chip Credit Card offers a base reward rate of 0.5% and up to 0.5% on accelerated partner categories. Meanwhile, HDFC Millennia Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: ICICI Bank Platinum Chip Credit Card or HDFC Millennia Credit Card?
ICICI Bank Platinum Chip Credit Card provides no complimentary airport lounge access. On the other hand, HDFC Millennia Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher).
Which card is better for international foreign currency spends?
ICICI Bank Platinum Chip Credit Card levies a foreign currency markup fee of 3.5%, while HDFC Millennia Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).