Which card has a lower forex fee: Axis Bank ACE Credit Card or HDFC Millennia Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank ACE Credit Card or HDFC Millennia Credit Card?

Axis Bank ACE Credit Card has a lower annual fee (₹499 vs ₹1,000).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4 per year domestic lounge. HDFC Millennia Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Axis Bank ACE Credit Card has higher base reward value (~1.5% vs ~0.3%).

Pairwise comparison Compare 3+ cards →

Axis Bank ACE vs HDFC Bank Millennia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the HDFC Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

ACE Axis Bank

Annual fee ₹499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter

Reward earning explained

Per card

ACE

5% on Google Pay (domestic) (Utility bill payments and recharges must be comple…

Millennia

5% on Amazon (domestic) (CashBack valid only for non-emi spends) + 5% on BookMy…

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs HDFC Bank Millennia: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4 per year. Domestic lounge access is 1 per quarter.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
Millennia: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	Millennia HDFC Bank
Lounge Access
Domestic lounge visits 4/year vs 1/quarter	4/year	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
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
Base cashback 1.5% vs 1%	1.5%	1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.3	₹1	₹0.3
Point validity Only available for Millennia	Not specified	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.