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ACE vs Millennia – Full comparison
Both cards verified with issuer
ACE source Millennia sourceForex costs are a key difference
Key differences
Best forex Millennia 2%
Lowest fee ACE ₹499
Best lounge ACE 4/year lounge
Spend context
At ₹50k/month spend:
- Millennia: ~₹1,000/month at base rate
- ACE: ~₹750/month at base rate
Approximate, based on base rates (before caps).
| ACE AXIS | Millennia HDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year vs None | 4/year | None |
| Forex / International Use | ||
| Forex markup 3.5% vs 2% | 3.5% | 2% |
| Fees | ||
| Annual fee ₹499 vs ₹1,000 | ₹499 | ₹1,000 |
| Joining fee ₹499 vs ₹1,000 | ₹499 | ₹1,000 |
| Fee waiver spend ₹2,00,000 vs ₹1,00,000 | ₹2,00,000 | ₹1,00,000 |
| Rewards | ||
| Reward points (base spend) 1.5 pts/₹100 vs 3 pts/₹150 | 1.5 pts/₹100 | 3 pts/₹150 |
| Point cash value No difference | ₹1 | ₹1 |
Notes
- Axis Bank ACE Credit Card: Programme rules and spend conditions may apply — verify with Axis
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
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- Millennia vs MoneyBack Plus HDFC vs HDFC
- Millennia vs Swiggy HDFC Bank HDFC vs HDFC
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.