Head-to-head · 🇮🇳 India
HDFC Millennia vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 1 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 5 of 10
Verdict
ICICI HPCL Coral wins 5-1. Fuel-heavy spenders at HPCL pumps. HDFC Millennia is still the right call if online shoppers spending ₹15k–50k/month.
Side-by-side
| Criterion | HDFC Millennia | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹1,000 | ₹199 |
| Joining fee | · ₹1,000 | ₹199 |
| Top reward rate | = 5% (shopping) | = 5% (fuel) |
| 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 transaction |
| Fee waiver threshold | · ₹100,000 / yr | ₹50,000 / yr |
| Min income | · ₹420,000 | ₹250,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | 4.6/5 | · 4/5 |
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 HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›HDFC Millennia vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral wins on more dimensions (5 vs 1). 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 HPCL 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 HPCL Coral: 2,000 PAYBACK points on first transaction.