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 4 of 10
IN
ICICI Bank
ICICI Coral
VISA
Wins 4 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
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 | · N/A |
| 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 ICICI Bank Reward Points per ₹100 (no points on fuel)
- Milestone: 2,000 reward points at ₹2L spend, +1,000 per additional ₹1L, up to 10,000 per year
- 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?
It's a true tie, pick the one whose boost categories match your spend. HDFC Millennia wins on 4 criteria, ICICI Coral on 4.
›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 doesn't list a welcome bonus.