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Axis Bank SELECT Credit Card VS HDFC Bank Millennia Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both Axis Bank SELECT Credit Card and HDFC Bank Millennia Credit Card suit shopping-focused spenders, but they earn and cost differently. Axis Bank SELECT Credit Card costs ₹3,000 + GST and earns 20 EDGE Points/₹200 on retail shopping (up to ₹20k/month), then 10 EDGE Points/₹200. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. Axis Bank SELECT Credit Card also brings 2 complimentary domestic airport lounge accesses every quarter on ₹50k spend in previous 3 months, while HDFC Bank Millennia Credit Card counters with complimentary airport lounge access voucher upon achieving quarterly spend milestones. If travel spending matters more, go with Axis Bank SELECT Credit Card; if dining is the priority, HDFC Bank Millennia Credit Card fits better.

Axis Bank SELECT Credit Card
Axis Bank SELECT Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

Fees & Charges

Joining Fee₹3,000 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹3,000 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverAnnual fee waived on spends of ₹8 lakh or more in a card anniversary year.
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% + GST on international spends.
Interest Rate (APR)3.75% per month (55.55% annually) for retail purchases and cash.
Interest Rate (APR)3.75% per month (45% annually).

Rewards & Benefits

Welcome BonusGet 10,000 EDGE Reward Points worth ₹2,000 on your first card transaction within 30 days.
Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Rewards RateEarn 20 EDGE Points/₹200 on retail shopping (up to ₹20k/month), then 10 EDGE Points/₹200.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption Fee₹99 per redemption.
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge accesses every quarter on ₹50k spend in previous 3 months.
Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access12 complimentary international airport lounge accesses annually with Priority Pass membership.
International Lounge AccessNot Applicable
Travel Benefits12 complimentary international lounge accesses, 2 domestic lounge accesses/quarter, MakeMyTrip savings.
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Movie Benefits100% discount on 2nd movie ticket (up to ₹250, twice/month) via District app.
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Dining BenefitsFlat ₹200 off on Swiggy (twice/month) & up to 25% off (up to ₹800) at partner restaurants.
Dining Benefits10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Golf Benefits6 complimentary golf rounds annually, plus 6 more on ₹3 lakh annual spend.
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹4,000, max ₹400 waiver per cycle.
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.

Security & Other

Insurance BenefitsPurchase Protection up to ₹1 lakh, travel document & baggage delay/loss cover up to USD 500.
Insurance BenefitsZero liability on fraudulent transactions if lost card is reported immediately.
Cash Advance Charges2.5% of cash amount, minimum ₹500.
Cash Advance Charges2.5% of transaction amount, minimum fee of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank SELECT Credit Card

HDFC Bank Millennia Credit Card

Who is it for?

The Axis Bank SELECT Credit Card is a versatile sub-premium lifestyle card offering extensive benefits across travel, shopping, dining, and golf. Cardholders enjoy complimentary domestic and international lounge access, accelerated reward points on retail shopping, and exclusive discounts on Swiggy and BigBasket. This card is ideal for individuals seeking a balanced rewards rate alongside premium lifestyle privileges.

Who is it for?

The HDFC Bank Millennia Credit Card is an entry-level cashback card primarily designed for young professionals and millennials. It offers a significant 5% cashback on popular online merchants and 1% on other eligible spends. Users can enjoy attractive gift vouchers for achieving quarterly spend milestones and a renewal fee waiver based on annual spending. This card is positioned to help users save on lifestyle expenses and build a strong credit profile through versatile reward redemptions.

Pros

Key benefits and features.

Offers extensive lifestyle benefits across dining, shopping, travel, and golf categories.

Provides significant savings with discounts on popular platforms like Swiggy and BigBasket.

Includes valuable complimentary international and domestic airport lounge access.

Generous reward points on retail shopping, maximizing benefits for everyday spends.

Comprehensive insurance benefits provide added security for purchases and travel.

Pros

Key benefits and features.

High 5% cashback on popular partner merchants including Myntra, Amazon.

Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.

Provides substantial savings for digital-savvy consumers on daily spends.

Cons

Key drawbacks and limitations.

The joining and annual fees are relatively high for a sub-premium card.

Welcome benefits are less than the joining fee, reducing initial value for some users.

Reward points are not earned on essential categories like fuel, insurance, and utilities.

Domestic lounge access requires a minimum spend threshold in the preceding quarter.

High foreign currency markup of 3.5% makes international transactions expensive.

Cons

Key drawbacks and limitations.

Earns a lower 1% cashback on offline/online spends at non-partner merchants.

Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.

A minimum of 500 CashPoints are required to redeem against statement balance.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank SELECT Credit Card(opens in new tab)Apply for HDFC Bank Millennia Credit Card(opens in new tab)