HDFC Bank Millennia Credit Card vs Axis Bank ACE 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.
Fees & Charges
Joining Fee
₹1,000 + Applicable Taxes
₹499 + GST
Renewal Fee
₹1,000 + Applicable Taxes
₹499 + GST
Spend Based Waiver
Renewal fee waived off on spending ₹1,00,000 or more in the preceding 12 months.
Joining fee waived on ₹10,000 spend in 45 days; renewal fee waived on annual spend of ₹2,00,000.
Foreign Transaction Fees
3.5% + GST markup on all international transactions.
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (45% annually) on outstanding balances.
3.75% per month (55.55% annualized) on outstanding balances.
Rewards & Benefits
Welcome Bonus
Get 1,000 bonus CashPoints on joining fee realization or points equivalent to Membership Fee.
Joining fee can be waived off on spending ₹10,000 within 45 days of Axis Bank ACE card setup.
Rewards Rate
Earn 5% cashback on top online merchants, and 1% cashback on other online/offline spends.
5% on Google Pay bill payments, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Reward Type
Cashback
Cashback
Reward Redemption Fee
₹50 + GST for cash redemption, ₹99 + GST for other redemptions (travel/catalogue).
Nil.
Travel & Lifestyle
Domestic Lounge Access
Option for Dreamfolks airport lounge access voucher upon achieving quarterly spend milestones.
4 complimentary airport lounge visits per calendar year at select domestic airports.
International Lounge Access
Not Applicable
Not offered with this card.
Travel Benefits
Get 5% cashback on Uber. Redeem CashPoints for flights/hotels, plus opt for lounge access voucher.
4 complimentary domestic airport lounge visits annually with the Axis Bank ACE Credit Card.
Movie Benefits
Earn 5% cashback on spends at BookMyShow and Sony LIV platforms.
Not Applicable
Dining Benefits
Enjoy exclusive dining benefits via Good Food Trail & up to 20% off on Swiggy Dineout.
Up to 15% off at over 4000+ partner restaurants across India under the Dining Delights program.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions (₹400-₹5,000), max ₹250 per statement cycle.
1% waiver on fuel (₹400-₹4000 transactions), max ₹500 per statement cycle.
Security & Other
Insurance Benefits
Zero Lost Card Liability protection ensures security against fraudulent transactions.
Not Applicable
Cash Advance Charges
2.5% of transaction amount, minimum ₹500 fee.
2.5% of withdrawn amount, subject to a minimum of ₹500.