ICICI Bank HPCL Coral American Express Credit Card vs IDFC FIRST 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

• Get 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on the cardholder’s birthday
• Get 3X  Reward Points on applicable online and offline purchases for spends up to Rs. 20,000 per month
• Use the Reward points to instantly pay for online or in-store purchases
• Get 1X Reward Points on Insurance premium payments and Utility bill payments
• Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
• Get 4 complimentary Railway lounge visits per quarter
• Avail complimentary Roadside Assistance worth Rs. 1,399
• Fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200/month. This is applicable only on transactions between Rs. 200 & Rs. 5000
• Enjoy 300+ Merchant offers all year long
• Up to 20% discount at 1500+ restaurants 
• Up to 15% discount at 3000+ Health & Wellness outlets
• Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
• Convert all transactions above Rs. 2,500 into easy and convenient EMIs from the mobile app
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from other bank credit cards with IDFC First Bank’s balance transfer privilege

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

• Lifetime free credit card
• Complimentary Railway lounge access
• NIL Overlimit fees, NIL Addon charges

Cons

• No milestone benefits
• No Airport Lounge Access