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
Nil for Limited Time
Renewal Fee
₹1,000 + GST
Rs. 499 + GST
Spend Based Waiver
The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Joining fee is waived on spends of Rs. 10,000 within 45 days of card issuance, and annual fee (2nd year onwards) is waived on total annual spends of Rs. 2,00,000.
Foreign Transaction Fees
3.5% + GST
3.5% of the transaction amount
Interest Rate (APR)
3.75% Per Month (45% Annually)
3.6% per month or 52.86% annualized
Rewards & Benefits
Welcome Bonus
1,000 CashPoints
Not Applicable
Rewards Rate
5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends
5% cashback on paying bills & on mobile recharges via GPay and 4% cashback on Swiggy, Ola, and Zomato, with a combined capping of Rs. 500 cashback per month. 1.5% cashback elsewhere on other merchants.
Reward Type
Cashback
Cashback
Reward Redemption Fee
₹50 + GST Per Cash Redemption Request. ₹99 + GST for Other Redemptions
Nil
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
4 complimentary airport lounge visits to domestic airport lounges per year
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Complimentary lounge access per year at domestic airports, accelerated (4%) cashback on Ola rides with Axis Bank Ace Card.
Dining & Movie Benefits
Flat ₹200 Discount on Swiggy Dineout (Minimum Order Value ₹2,000). Valid Twice Each Month
A discount of up to 20% on dining at 4,000+ restaurants under the Axis Bank Dining Delights program.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)
1% fuel surcharge is waived for purchases worth between Rs. 400 and Rs. 4,000 (maximum waiver of Rs. 500/month).
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the transaction amount, subject to a minimum fee of Rs. 500
2.5% of the withdrawn amount, subject to a minimum amount of Rs. 500.
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.