Side-by-side · honest numbers
Axis Bank ACE Credit Card vs HDFC Bharat Cashback Credit Card vs HDFC Millennia Credit Card
Honest side-by-side comparison of Axis Bank ACE Credit Card, HDFC Bharat Cashback 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 ACE Credit Card by about ₹2,170/yr.
| Feature | Axis Bank ACE Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | HDFC Millennia Credit Card HDFC Bank |
|---|---|---|---|
| Annual fee | ₹499 | ₹0 | ₹1,000 |
| Min income (monthly) | ₹20,000 | ₹15,000 | ₹35,000 |
| Top reward rate | 5% | 5% cashback | 5% |
| Net annual value (moderate spend) | ₹6,660/yr | ₹5,430/yr | ₹8,830/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | ₹1,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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.
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 | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC 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 |
|---|---|---|---|
| Annual fee | ₹499 | ₹0 | ₹1,000 |
| Min income | ₹20,000 | ₹15,000 | ₹35,000 |
| Top reward rate | 5% | 5% cashback | 5% |
| Net value (moderate) | ₹6,660/yr | ₹5,430/yr | ₹8,830/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ₹1,000 |
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