ICICI Bank HPCL Coral American Express Credit Card vs HDFC Millennia Credit Card

• Earn 3X or 6 PAYBACK Points from ICICI Bank Rewards Points per Rs. 100 spent on fuel at HPCL pumps
• Get 2.5% cashback and savings of 1% fuel surcharge on fuel purchases at HPCL pumps
• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• Avail 25% discount, maximum up to Rs 100 on purchase of minimum two tickets per transaction through Bookmyshow

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends including EMI & Wallet transactions, except Fuel
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

Pros

• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• Enjoy accelerated 3X rewards, i.e on every Rs. 100 spent, get 6 PAYBACK Points on fuel spends at HPCL pumps & 2 PAYBACK Points on all other retail spends

Cons:

• No Complimentary Lounge access
• No complimentary Golf classes/sessions

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Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits