ICICI Business Credit Cards vs HDFC Millennia Credit Card
Joining Fees
₹1,500
₹1,000
Editor's Rating
3.4
4
Key Features
For Business Advantage Black Card:
Key benefits:
- Save more with Cashback, earn cashback on spends which means more you spend the higher cashback you get
- Contactless Card
- Concierge Services
- Culinary Treats
- Insurance Benefits
- Get a minimum of 10% off up to a maximum of 30% off on an annual DocuSign Business Pro
- Get dedicated bandwidth for your business with reliable connectivity, speed and widespread network
For Business Advantage Blue Card:
Key benefits:
- Save more with Cashback, earn cashback on spends which means more you spend the higher cashback you get
- Contactless Card
- Concierge Services
- Culinary Treats
- Insurance Benefits
- Get a minimum of 10% off up to a maximum of 30% off on an annual DocuSign Business Pro
- Get dedicated bandwidth for your business with reliable connectivity, speed and widespread network
- You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee
- Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year
- Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month
- Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000)
- 2.5% CashBack on all online spends
- 1% CashBack on all offline spends and Wallet reloads
- 8 Complimentary Domestic Lounge Access per calendar year
- Complimentary Domestic Airport Lounge access annually
- Experience the Good Food Trail Dining program at premium restaurants across top cities.
- 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)
- Enjoy up to 50 days of the interest-free period from the date of purchase
- If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card
Rewards Rate:
Please note: The CashBack will be given in the form of CashPoints
- The redemption against the statement balance: 1 CashPoint = Rs. 1
- Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30
- Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30
Editor's Review
Pros
For all ICICI Business Cards:
- Spends linked rewards / InterMiles / Offers & Discounts
- Fuel surcharge waiver of 1%
- Complimentary Airport Lounge Access
- Comprehensive Insurance Coverage up to Rs. 75 lakh
Cons
- No complimentary Golf/coaching sessions
To apply for ICICI Bank Credit Cards please click here
Pros
- Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program
- The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
- Revolving Credit is available at a nominal interest rate
Cons
- No golf/coaching sessions
- The Cash Points are only valid for 1 year from the date of accumulation
- Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum
