1%
Strong data Pairwise comparison
Compare 3+ cards →
Axis Bank Airtel vs HDFC Bank Millennia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank Airtel and the HDFC Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Millennia for lounge access.
Head-to-head
Three core metrics- Annual fee Airtel saves ₹500/yrAirtel ₹500 Waivable at ₹2,00,000 spendMillennia ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup Airtel 3.5%Millennia 3.5%
- Domestic lounge Millennia: +4 lounge visits/yrAirtel RemovedMillennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card1% · 5% on eligible amazon, bookMyShow, cult.fit, flipkart, myntra, sonyLIV, swiggy, tata CLiQ, uber, and zomato
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank Airtel: ₹500 vs HDFC Bank Millennia: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (Removed vs 4/year (1 per quarter)).
-
Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
-
Lounge access HDFC Bank Millennia wins HDFC Bank Millennia is better for lounge access
HDFC Bank Millennia is stronger here. Domestic lounge access is 1 per quarter.
-
Rewards Tie Both cards are similar for rewards
Axis Bank Airtel conservative base value ~1% vs HDFC Bank Millennia's ~1%. HDFC Bank Millennia conservative base value ~1% vs Axis Bank Airtel's ~1%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Airtel Axis Bank: ~₹500/month at base rate
- Millennia: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | Airtel Axis Bank | Millennia HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Removed vs 4/year (1 per quarter) | Removed | 4/year (1 per quarter) |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹1,000 | ₹500 | ₹1,000 |
| First-year cost Only available for Millennia | Not specified | ₹1,000 |
| Annual-fee waiver ₹2,00,000 vs ₹1,00,000 | ₹2,00,000 | ₹1,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Millennia | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base cashback Some reward lanes are unsupported — base rate only for comparison. | 1% | 1% |
| Earn ceiling 2× base cashback earned in the same month vs ₹1,000 per calendar month | 2× base cashback earned in the same month | ₹1,000 per calendar month |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Millennia | Not specified | ₹1 |
| Point validity Only available for Millennia | Not specified | 2 years |
Notes
- HDFC Millennia Credit Card: Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank Airtel
Verify with issuer , opens external siteHDFC Bank Millennia
Verify with issuer , opens external site