Compare HDFC Millennia vs ICICI Platinum Chip Credit Card: Which One Fits Your Lifestyle

Choosing the right credit card can be confusing with so many options available. Let’s compare HDFC Millennia and ICICI Platinum Chip Credit Card to help you pick the one that best suits your lifestyle and spending habits.

HDFC Millennia vs ICICI Platinum Chip: Feature Comparison

Movie & Entertainment

Feature HDFC Millennia Credit Card ICICI Platinum Chip Credit Card

Annual Fee

₹1,000 (waived on annual spends of ₹1.5 lakh)

₹499 (lifetime free in some offers)

Welcome Benefits

5,000 reward points on joining

₹250 voucher for first transaction

Online Shopping Cashback

5% cashback on Amazon, Flipkart, Swiggy, Zomato

1% cashback on online spends

10% off BookMyShow tickets

5% cashback on entertainment platforms

Fuel Surcharge Waiver

1% on fuel transactions between ₹500–₹3,000

1% on fuel transactions

Reward Points

4 reward points per ₹150 spent

1 reward point per ₹100 spent

Airport Lounge Access

2 complimentary domestic lounges per year

Not available

EMI Options

Available on transactions above ₹3,000

Available on select transactions

Key Differences

  • HDFC Millennia Credit Card is ideal for frequent online shoppers and entertainment lovers, offering higher reward points and lounge access.
  • ICICI Platinum Chip Credit Card is simpler and budget-friendly, great for beginners or those with lower monthly spends.
  • Millennia’s reward structure is more rewarding for higher spends, while ICICI Platinum provides basic cashback benefits.

Which Card Should You Choose?

  • Pick HDFC Millennia if you shop online frequently, dine out often, or travel domestically and want lounge access.
  • Pick ICICI Platinum Chip if you want a low-maintenance, low-fee card with basic cashback on everyday spending.

Tips to Maximize Credit Card Benefits

  1. Use HDFC Millennia for high-value online transactions to earn maximum points.
  2. Use ICICI Platinum for everyday expenses like groceries, fuel, and small online purchases.
  3. Pay your bill in full every month to avoid interest charges.

Track reward points and redeem them for vouchers, cashback, or EMI options.

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