Head-to-head · 🇮🇳 India
HDFC Millennia vs ICICI Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 3 of 10
IN
ICICI Bank
ICICI Coral
VISA
Wins 4 of 10
Verdict
ICICI Coral wins 4-3. Entry-tier card — easy approval, decent base earning, low fee. HDFC Millennia is still the right call if online shoppers spending ₹15k–50k/month.
Side-by-side
| Criterion | HDFC Millennia | ICICI Coral |
|---|---|---|
| Annual fee | · ₹1,000 | ₹500 |
| Joining fee | · ₹1,000 | ₹500 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 2,000 PAYBACK points on first 60-day spend |
| Fee waiver threshold | ₹100,000 / yr | · ₹150,000 / yr |
| Min income | · ₹420,000 | ₹240,000 |
| Min credit score | · 750 | 700 |
| Editorial rating | 4.6/5 | · 4.2/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
FAQ
›HDFC Millennia vs ICICI Coral: which is better?
ICICI Coral wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, ICICI Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. ICICI Coral: 2,000 PAYBACK points on first 60-day spend.