Side-by-side · honest numbers
Axis Bank ACE Credit Card vs Axis Bank Airtel Credit Card vs HDFC Millennia Credit Card
Honest side-by-side comparison of Axis Bank ACE Credit Card, Axis Bank Airtel Credit Card, HDFC Millennia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of Axis Bank Airtel Credit Card by about ₹760/yr.
| Feature | Axis Bank ACE Credit Card Axis Bank | Axis Bank Airtel Credit Card Axis Bank | HDFC Millennia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹500 | ₹1,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,660/yr | ₹8,070/yr | ₹8,830/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Utilities & bills | 5% cashback → ₹110/mo (₹1,320/yr) | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Top reward rate | 5% | 25% | 5% |
| Primary reward cap | ₹500 rewards/mo cap | ₹250 rewards/mo cap | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹1,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank ACE Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank ACE Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank ACE Credit Card
Axis Bank
Axis Bank Airtel Credit Card
Axis Bank
HDFC Millennia Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank ACE Credit Card •••• •••• •••• 4242 Quick facts Axis Bank ACE Credit Card Top reward5% Annual fee₹499 Min income₹20,000/mo Tap to flip back Axis Bank ACE Credit Card Axis Bank | Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis Bank | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹500 | ₹1,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,660/yr | ₹8,070/yr | ₹8,830/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Utilities & bills | 5% cashback → ₹110/mo (₹1,320/yr) | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Top reward rate | 5% | 25% | 5% |
| Primary reward cap | ₹500 rewards/mo cap | ₹250 rewards/mo cap | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹1,000 |
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https://cardhungry.com/in/en/compare/axis-ace-vs-axis-airtel-vs-hdfc-millenniaMore Axis Bank ACE Credit Card comparisons
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