Head-to-head · 🇮🇳 India
HDFC Millennia vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 6 of 10
IN
ICICI Bank
ICICI MMT Signature
Wins 3 of 10
Verdict
HDFC Millennia wins 6-3. Online shoppers spending ₹15K–50K/month ICICI MMT Signature is still the right call if makemytrip loyalists — co-branded with strong travel benefits..
Side-by-side
| Criterion | HDFC Millennia | ICICI MMT Signature |
|---|---|---|
| Annual fee | ₹1,000 | · ₹2,500 |
| Joining fee | ₹1,000 | · ₹2,500 |
| Top reward rate | · 5% (shopping) | 6% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 3.5% | 2.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹600,000 / yr |
| Min income | ₹420,000 | · ₹800,000 |
| Min credit score | 750 | · 770 |
| Editorial rating | 4.6/5 | · 4.4/5 |
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 MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›HDFC Millennia vs ICICI MMT Signature: which is better?
HDFC Millennia wins on more dimensions (6 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 MMT Signature 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 MMT Signature: ₹2,500 MMT Black holidays voucher.