Skip to main content

HDFC Bank Millennia Credit Card VS Accelero ICICI Bank Credit Card VS Aditya Birla AU Bank Credit Cards VS Airtel Axis Bank Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 21 July 2026
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
Accelero ICICI Bank Credit Card
Accelero ICICI Bank Credit Card
Aditya Birla AU Bank Credit Cards
Aditya Birla AU Bank Credit Cards
Airtel Axis Bank Credit Card
Airtel Axis Bank Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹499 + GST
Joining Fee₹900 + GST
Joining Fee₹500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹499 + GST
Renewal Fee₹900 + GST
Renewal Fee₹500 + GST
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Spend Based WaiverRenewal fee of Rs. 499 waived on spending more than Rs. 1.25 Lakhs in previous year.
Spend Based WaiverJoining fee waiver on ₹15K spend (Pro); renewal fee waiver on ₹1.5L spend (Pro).
Spend Based WaiverAnnual fee waived on ₹2,00,000+ annual spends (excl. rent/wallet loads).
Foreign Transaction Fees3.5% + GST on international spends.
Foreign Transaction Fees3.5% of the amount transacted on international spends.
Foreign Transaction FeesRanges from 1.99% (Pro) to 3.50% (Flex, Biz) of the transaction amount.
Foreign Transaction Fees3.50% of transaction value; 1.5% DCC markup.
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)3.40% per month (or 40.8% annually) on outstanding balances.
Interest Rate (APR)3.59% Per Month (43.08% Annually) on outstanding balances.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.

Rewards & Benefits

Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Welcome BonusComplimentary roadside repair services, car wash, and general checkup for the first year on meeting spend criteria.
Welcome BonusUp to 1,000 Reward Points or a 3-month Amazon Prime Membership on meeting spend criteria.
Welcome BonusGet an Amazon eVoucher worth ₹250 on making the first transaction within 30 days of card issuance.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Rewards RateEarn 2 Reward Points on every Rs. 100 spent on domestic/international transactions.
Rewards RateUp to 10X Reward Points on select categories; 1 RP per ₹200 for ABC Flex.
Rewards Rate25% on Airtel services, 10% on utilities/partners, 1% on others (RuPay UPI included).
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Reward Redemption FeeRs. 99 (plus applicable taxes) for redeeming reward points.
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
Domestic Lounge Access1 complimentary domestic lounge access each quarter on spending Rs. 75,000 in previous quarter.
Domestic Lounge Access2 free visits per quarter for ABC Pro; 1 per quarter (customizable) for Flex/Nxt.
Domestic Lounge Access
International Lounge AccessNot Applicable
International Lounge Access
International Lounge Access
1 free visit per year for ABC Pro; available via customizable features for other cards.
International Lounge Access
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Travel Benefits1 complimentary domestic lounge access each quarter on spending Rs. 75,000 in previous quarter.
Travel BenefitsFree Railway Lounge Access; 5% cashback on travel spends (customizable feature).
Travel BenefitsUp to 15% savings on flights & hotels via Goibibo/MakeMyTrip on Wednesdays.
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Movie Benefits25% off (up to Rs. 100) on movie tickets via Bookmyshow & Inox, 4 times/month.
Movie BenefitsAccelerated Reward Points on Entertainment for ABC Pro cardholders.
Movie Benefits10% value back on District Movies (up to ₹200 per month).
Dining Benefits10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Dining BenefitsExclusive discounts of 15%+ on dining bills at 2,000+ partnered restaurants via Culinary Treats.
Dining BenefitsAccelerated Reward Points & exclusive discounts; EazyDiner membership for Pro cardholders.
Dining Benefits10% value back on Zomato; 15% off up to ₹500 at 4000+ restaurants via Dining Delights.
Golf BenefitsNot Applicable
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver at all HPCL fuel stations.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver is applicable on fuel transactions.
Fuel Surcharge Waiver1% waiver on ₹400-₹4,000 transactions, capped at ₹500/month.

Security & Other

Insurance BenefitsZero liability on fraudulent transactions if lost card is reported immediately.
Insurance Benefits
Insurance BenefitsExclusive offers & discounts on ABC Loans, Insurance, and Investment products.
Insurance Benefits
Cash Advance Charges2.5% of transaction amount, minimum fee of ₹500.
Cash Advance ChargesHigher of 2.5% of withdrawn amount or Rs. 300.
Cash Advance Charges2.5% of the cash advance amount.
Cash Advance ChargesMin ₹500 up to 2.5% of cash withdrawal amount.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Millennia Credit Card

Accelero ICICI Bank Credit Card

Aditya Birla AU Bank Credit Cards

Airtel Axis Bank Credit Card

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.

Who is it for?

The Accelero ICICI Bank Credit Card is a basic credit card designed for vehicle owners, offering a unique blend of automobile-associated privileges like complimentary roadside assistance, car washes, and general check-up services. It provides a decent reward rate on general spending, cashback on fuel purchases, and lifestyle benefits including movie and dining discounts, along with domestic lounge access. With nominal fees and a spend-based waiver, this card delivers substantial value, making it an excellent choice for those seeking an affordable credit card that combines crucial vehicle-related perks with everyday lifestyle benefits.

Who is it for?

The Aditya Birla AU Bank Credit Cards are a versatile new range designed for diverse users, from individuals to businesses. They offer unique benefits like lifetime free options, customizable features, and exclusive memberships to platforms such as ZEE5 and Amazon Prime. Cardholders can enjoy accelerated reward points on various categories, extensive lounge access, and options for reduced foreign currency markup. These cards cater to those seeking tailored financial solutions with strong rewards and lifestyle perks.

Who is it for?

The Airtel Axis Bank Credit Card is a co-branded card for Airtel users, offering cashback on Airtel services, utility bills, and partner brands like Zomato and Blinkit. While its reward structure was devalued in April 2026, it still provides value for specific spending patterns. It's best suited for heavy Airtel users who also frequently spend on dining and shopping, and are willing to manage their overall spending to maximize benefits.

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.

Pros

Key benefits and features.

Significant savings on automobile services like car washes and roadside assistance.

Offers a decent reward rate on general spending, enhancing everyday value.

Provides valuable lifestyle benefits including movie, dining, and travel discounts.

Nominal joining and renewal fees, with an easy spend-based waiver option.

Well-rounded card combining vehicle-related perks with general lifestyle benefits.

Pros

Key benefits and features.

Offers lifetime free credit card options, reducing annual financial burden significantly.

Unique customizable features allow tailoring benefits like cashback and lounge access.

Accelerated reward points across diverse categories including travel, dining, and utilities.

Includes exclusive memberships to popular platforms like Amazon Prime and ZEE5.

Provides specific card variants catering to business needs and international spends.

Pros

Key benefits and features.

Offers 10% value back on Zomato, Blinkit, and District Movies (up to ₹200 per partner per month).

Provides 25% cashback on Airtel services and 10% on utility bills via Airtel Thanks app.

Includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.

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.

Cons

Key drawbacks and limitations.

Lounge access is conditional on spending Rs. 75,000 in the previous quarter.

Reward Points are not earned on fuel purchases, EMI, or loan payments.

A redemption fee of Rs. 99 plus taxes applies for redeeming reward points.

The 3.5% foreign currency markup is relatively high for international transactions.

Maximum fuel cashback benefit is capped at Rs. 200 per month at HPCL stations.

Cons

Key drawbacks and limitations.

The multi-card structure can make understanding specific benefits complex for users.

Customizable features, while flexible, often come with an additional monthly cost.

Standard foreign currency markup is high on some variants, impacting international spends.

Reward points are not earned on certain categories like fuel, insurance, and rent.

High interest rates of 3.59% per month apply if balances are carried over.

Cons

Key drawbacks and limitations.

Reward structure is complicated; higher cashback depends on 1% category spend.

Complimentary airport lounge access has been removed after the devaluation.

The card is not lifetime free and comes with an annual fee, though it can be waived.

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 HDFC Bank Millennia Credit Card(opens in new tab)Apply for Accelero ICICI Bank Credit Card(opens in new tab)Apply for Airtel Axis Bank Credit Card(opens in new tab)