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
Rs. 999 + Taxes/GST
₹499 + GST
₹1,000 + Applicable Taxes
Renewal Fee
Rs. 999 + Taxes/GST
₹499 + GST
₹1,000 + Applicable Taxes
Spend Based Waiver
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Joining fee waived on ₹10,000 spend in 45 days; renewal fee waived on annual spend of ₹2,00,000.
Renewal fee waived off 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 markup on all international transactions.
Interest Rate (APR)
3.75% per month (45% per annum) on outstanding balance.
3.75% per month (55.55% annualized) on outstanding balances.
3.75% per month (45% annually) on outstanding balances.
Rewards & Benefits
Welcome Bonus
Not Applicable
Joining fee can be waived off on spending ₹10,000 within 45 days of Axis Bank ACE card setup.
Get 1,000 bonus CashPoints on joining fee realization or points equivalent to Membership Fee.
Rewards Rate
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
5% on Google Pay bill payments, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Earn 5% cashback on top online merchants, and 1% cashback on other 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 redemptions (travel/catalogue).
Travel & Lifestyle
Domestic Lounge Access
Complimentary lounge access has been discontinued on this card.
4 complimentary airport lounge visits per calendar year at select domestic airports.
Option for Dreamfolks airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Complimentary lounge access has been discontinued on this card.
Not offered with this card.
Not Applicable
Travel Benefits
Not Applicable
4 complimentary domestic airport lounge visits annually with the Axis Bank ACE Credit Card.
Get 5% cashback on Uber. Redeem CashPoints for flights/hotels, plus opt for lounge access voucher.
Movie Benefits
Not Applicable
Not Applicable
Earn 5% cashback on spends at BookMyShow and Sony LIV platforms.
Dining Benefits
Not Applicable
Up to 15% off at over 4000+ partner restaurants across India under the Dining Delights program.
Enjoy exclusive dining benefits via Good Food Trail & up to 20% off on Swiggy Dineout.
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 (₹400-₹4000 transactions), max ₹500 per statement cycle.
1% waiver on fuel transactions (₹400-₹5,000), max ₹250 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Zero Lost Card Liability protection ensures security against fraudulent transactions.
Cash Advance Charges
2.5% of amount withdrawn or min Rs. 500, whichever is higher.
2.5% of withdrawn amount, subject to a minimum of ₹500.
2.5% of transaction amount, minimum ₹500 fee.