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

Both cards have the same annual fee (₹1,000).

Which card offers better lounge access?

Axis Bank Cashback Credit Card: No domestic lounge. HDFC Millennia Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

HDFC Millennia Credit Card has higher base reward value (~1% vs ~0.15%).

Pairwise comparison Add another card →

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

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

Lounge HDFC Bank Millennia

Quick comparison

Three core metrics

Cashback Axis Bank

Annual fee ₹1,000 Waivable at ₹4,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Cashback

7% on Online + 0.8% on General spend

Millennia

5% on Shopping + 1% on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Cashback: ₹1,000 vs HDFC Bank Millennia: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Cashback: Limited data Millennia: Limited data
Lounge access HDFC Bank Millennia wins

HDFC Bank Millennia is better for lounge access

HDFC Bank Millennia is stronger here. Domestic lounge access is 4/year.

Cashback: Limited data Millennia: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Millennia has comparable evidence here. Estimated base reward value is ~1% on base spend.

Millennia: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹1,000.

Cashback: Limited data Millennia: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Millennia: ~₹500/month at base rate
Cashback: ~₹80/month at base rate

Millennia shows higher base earn at this spend

Illustrative only, using current base rates before caps.

Field	Cashback Axis Bank	Millennia HDFC Bank
Lounge Access
Domestic lounge visits No lounge access vs 4/year	No lounge access	4/year
International lounge visits Only available for Millennia	Not specified	6/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹1,000	₹1,000
Joining fee	₹1,000	₹1,000
Fee waiver spend ₹4,00,000 vs ₹1,00,000	₹4,00,000	₹1,00,000
Rewards
Points per ₹100 0.75 pts vs 1 pts	0.75 pts	1 pts
Point cash value ₹0.2 vs ₹1	₹0.2	₹1

Notes

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