Home/Compare/Axis Bank Rewards Visa Credit Card vs HDFC Millennia Credit Card

Axis Bank Rewards Visa Credit Card vs HDFC Millennia Credit Card

Detailed side-by-side comparison to help you pick the right card for your needs.

Our Recommendation

Axis Bank Rewards Visa Credit Card wins 2 out of 4 comparison categories.

⭐ Recommended

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💰 Earn ₹400 cashback via EarnKaro

Side-by-Side Comparison

Annual Fee
₹1,000
₹1,000
Joining Fee
₹1,000
₹1,000
Fee Waiver
Waived on 2L spend
Waived on 1L spend
Cashback Rate
Up to 5% Winner
Reward Rate
10X rewards on Apparel & Dept Stores
5% on Amazon, Flipkart, Swiggy
Lounge Access
2 domestic per quarter
8 lounge visits
Welcome Bonus
5000 Edge points
1000 CashPoints
Min. Income
₹25,000/mo Winner
₹35,000/mo
Credit Score
700+ Winner
720+
Best For
Lifestyle spenders
Online shoppers

Axis Bank Rewards Visa Credit Card

What we love

  • High milestone rewards
  • Lounge access
  • Edge points

Keep in mind

  • Higher fee

HDFC Millennia Credit Card

What we love

  • 5% on top brands
  • Cashback as statement credit
  • Lounge access

Keep in mind

  • Upper cap on rewards

Frequently Asked Questions

Which is better: Axis Bank Rewards Visa Credit Card or HDFC Millennia Credit Card?

Based on our analysis, Axis Bank Rewards Visa Credit Card is the better choice with advantages in 2 out of 4 comparison categories including fees and rewards. However, HDFC Millennia Credit Card may be better if your spending aligns with its specific benefits like online shoppers.

What is the annual fee difference?

Axis Bank Rewards Visa Credit Card has an annual fee of ₹1,000 (Waived on 2L spend), while HDFC Millennia Credit Card costs ₹1,000 (Waived on 1L spend) per year.

Can I apply for both cards?

Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.