WINNER
Axis Bank ACE Credit Card
Axis Bank
VS
HDFC Millennia Credit Card
HDFC Bank
Axis Bank ACE Credit Card vs HDFC Millennia Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated May 2026
Recommended
90
Overall Score / 100
4.5/5
86
Overall Score / 100
4.3/5
Scoreboard· 3 measured features
3
Axis Bank ACE Credit Card
Overall winner
0
Tied
0
HDFC Millennia Credit Card
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
Axis Bank ACE Credit Card
Rewards (4.0%)+ ₹24,000
Annual feeFree
Net per year+₹24,000
Better here
HDFC Millennia Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹1,000
Net per year+₹29,000
HDFC Millennia Credit Card gives you ₹5,000 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
Axis Bank ACE Credit Card
HDFC Millennia Credit Card
Annual Fee
Free
₹1,000
Joining Fee
Free
₹1,000
Reward Rate
4% food delivery, 2% bills, 1.5% others
5% SmartBuy, 2.5% online, 1% offline
Welcome Bonus
None — lifetime free card
1,000 reward points on first transaction
Lounge Access
None
None
Min. Income
₹25,000
₹35,000
Min. Credit Score
700
720
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
Comparison verdict currently unavailable. Please check back later.
Who Should Get Which?
💰
Choose HDFC Millennia Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose Axis Bank ACE Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.