Which card has the lower annual fee?

Axis Bank Airtel Credit Card has the lowest annual fee at ₹500.

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 Airtel 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.

Side-by-side · honest numbers

Axis Bank Airtel Credit Card vs HDFC Millennia Credit Card

Honest side-by-side comparison of 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 leads Axis Bank Airtel Credit Card by about ₹760/yr in estimated net value.

Axis Bank Airtel Credit Card vs HDFC Millennia Credit Card comparison table
Feature	Axis Bank Airtel Credit Card Axis Bank	HDFC Millennia Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹1,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹20,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹8,070/yr	₹8,830/yr
Online shopping	—	5% cashback → ₹500/mo (₹6,000/yr)
Dining & delivery	10% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—
Utilities & bills	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—
Top reward rate	25%	5%
Primary reward cap	₹250 rewards/mo cap	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	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 Airtel Credit Card has the lowest annual fee at ₹500.
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 Airtel 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.

Card 1

Axis Bank Airtel Credit Card

Axis Bank

Card 2

HDFC Millennia Credit Card

HDFC Bank

Your adjusted comparison

Feature	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	₹500	₹1,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹20,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹8,070/yr	₹8,830/yr
Online shopping	—	5% cashback → ₹500/mo (₹6,000/yr)
Dining & delivery	10% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—
Utilities & bills	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—
Top reward rate	25%	5%
Primary reward cap	₹250 rewards/mo cap	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent · Wallet · Government
Bonuses
Signup bonus	—	₹1,000

Axis Bank Airtel Credit Card details →HDFC Millennia Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank Airtel Credit Card comparisons