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 + GST
₹499 + GST
Renewal Fee
₹1,000 + GST
₹499 + GST
Spend Based Waiver
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Annual fee waived on Rs. 2 Lakh spend/year. Joining fee reversed on Rs. 10,000 spend in 45 days.
Foreign Transaction Fees
3.5% + GST on international spends.
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (45% annually).
3.75% per month (55.55% annualized) on outstanding amount.
Rewards & Benefits
Welcome Bonus
Receive 1,000 bonus CashPoints upon successful realization of the joining fee.
Joining fee reversal on Rs. 10,000 spend within 45 days of card setup.
Rewards Rate
Earn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Up to 5% cashback on utilities via GPay, 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 requests (effective Aug 2024).
Nil
Travel & Lifestyle
Domestic Lounge Access
Complimentary airport lounge access voucher upon achieving quarterly spend milestones.
4 complimentary lounge visits per calendar year at select domestic airports.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Redeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
4 complimentary domestic lounge visits annually & 4% cashback on Ola rides.
Movie Benefits
5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Not Applicable
Dining Benefits
10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Up to 15% off at 4000+ partner restaurants & 4% cashback on Swiggy/Zomato.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
1% waiver on fuel purchases (Rs. 400-4000), max Rs. 500/statement cycle.
Security & Other
Insurance Benefits
Zero liability on fraudulent transactions if lost card is reported immediately.
Not Applicable
Cash Advance Charges
2.5% of transaction amount, minimum fee of ₹500.
2.5% of withdrawn amount, minimum Rs. 500.