Side-by-side · honest numbers
Axis Bank Airtel Credit Card vs HDFC Millennia Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of Axis Bank Airtel Credit Card, HDFC Millennia Credit Card, 811 Dream Different 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 811 Dream Different Credit Card by about ₹500/yr.
| Feature | Axis Bank Airtel Credit Card Axis Bank | HDFC Millennia Credit Card HDFC Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹35,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | ₹8,830/yr | ₹8,330/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | 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% | 5% |
| Primary reward cap | ₹250 rewards/mo cap | ₹1,000 eligible spend/mo | ₹500 rewards/mo cap |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹1,000 | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- 811 Dream Different 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?
- 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.
Axis Bank Airtel Credit Card
Axis Bank
HDFC Millennia Credit Card
HDFC Bank
811 Dream Different Credit Card
Kotak Mahindra 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 | Kotak Mahindra BankGold 811 Dream Different Credit Card •••• •••• •••• 4242 Quick facts 811 Dream Different Credit Card Top reward5% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹35,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | ₹8,830/yr | ₹8,330/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | 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% | 5% |
| Primary reward cap | ₹250 rewards/mo cap | ₹1,000 eligible spend/mo | ₹500 rewards/mo cap |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹1,000 | ₹500 |
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