Cashback SBI Credit Card vs Axis Bank ACE Credit Card vs HDFC Bank Millennia Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹999 + GST
₹499 + GST
₹1,000 + GST
Renewal Fee
₹999 + GST
₹499 + GST
₹1,000 + GST
Spend Based Waiver
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Annual fee waived on Rs. 2 Lakh spend/year. Joining fee reversed on Rs. 10,000 spend in 45 days.
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees
3.5% of the international transaction value.
3.5% of the transaction amount.
3.5% + GST on international spends.
Interest Rate (APR)
3.75% per month (45% per annum) on outstanding balance.
3.75% per month (55.55% annualized) on outstanding amount.
3.75% per month (45% annually).
Rewards & Benefits
Welcome Bonus
Not Applicable
Joining fee reversal on Rs. 10,000 spend within 45 days of card setup.
Receive 1,000 bonus CashPoints upon successful realization of the joining fee.
Rewards Rate
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Earn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
₹99 per redemption transaction.
Nil
₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Travel & Lifestyle
Domestic Lounge Access
Complimentary lounge access has been discontinued on this card.
4 complimentary lounge visits per calendar year at select domestic airports.
Complimentary airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Complimentary lounge access has been discontinued on this card.
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
4 complimentary domestic lounge visits annually & 4% cashback on Ola rides.
Redeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Movie Benefits
Not Applicable
Not Applicable
5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Dining Benefits
Not Applicable
Up to 15% off at 4000+ partner restaurants & 4% cashback on Swiggy/Zomato.
10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
1% waiver on fuel purchases (Rs. 400-4000), max Rs. 500/statement cycle.
1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Zero liability on fraudulent transactions if lost card is reported immediately.
Cash Advance Charges
2.5% of amount withdrawn or min Rs. 500, whichever is higher.
2.5% of withdrawn amount, minimum Rs. 500.
2.5% of transaction amount, minimum fee of ₹500.