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 complimentary lounge access. HDFC Millennia Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

HDFC Millennia Credit Card has higher base reward value (~1% vs ~0.75%).

Pairwise comparison Compare 3+ cards →

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 complimentary lounge access

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter

Reward earning explained

Per card

Cashback

0.8% · Up to 7% on online spend

Limited data

Millennia

1% · Up to 5% on Amazon

Limited data

Pick based on what matters

3 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 complimentary lounge access 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 Cashback conservative base value ~0.8% vs HDFC Bank Millennia's ~1%. HDFC Bank Millennia conservative base value ~1% vs Axis Bank Cashback's ~0.8%.

Axis Bank Cashback

Confidence: Low (limited information available)

Verify with issuer

HDFC Bank Millennia

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Millennia: ~₹500/month at base rate
Cashback: ~₹380/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Cashback Axis Bank	Millennia HDFC Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
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
Base cashback 0.8% vs 1%	0.8%	1%
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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.