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

Axis Bank Horizon Credit Card has a lower annual fee (₹0 vs ₹1,000).

Which card offers better lounge access?

Axis Bank Horizon Credit Card: 4/year domestic lounge (1 per quarter). HDFC Millennia Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

Axis Bank Horizon Credit Card has higher base reward value (~2% vs ~1%).

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

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

Rewards Axis Bank Horizon Low fee Axis Bank Horizon

Quick comparison

Three core metrics

Horizon Axis Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter)

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

Horizon

2 pts / ₹100 on General spend

Limited data

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 Horizon: ₹0 vs HDFC Bank Millennia: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Horizon: Limited data Millennia: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4/year (1 per quarter). Domestic lounge access is 4/year.

Horizon: Limited data Millennia: Limited data
Rewards Axis Bank Horizon wins

Axis Bank Horizon is better for rewards

Axis Bank Horizon is stronger here. Estimated base reward value is ~2% on base spend.

Horizon: Limited data Millennia: Limited data
Annual fee Axis Bank Horizon wins

Axis Bank Horizon is better for fees

Axis Bank Horizon is stronger here. Annual fee is ₹0.

Horizon: 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:

Horizon: ~₹1,000/month at base rate
Millennia: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Horizon Axis Bank	Millennia HDFC Bank
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs 4/year	4/year (1 per quarter)	4/year
International lounge visits 8/year vs 6/year	8/year	6/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹0 vs ₹1,000	₹0	₹1,000
Joining fee ₹0 vs ₹1,000	₹0	₹1,000
Fee waiver spend Only available for Millennia	Not specified	₹1,00,000
Rewards
Points per ₹100 2 pts vs 1 pts	2 pts	1 pts
Point cash value	₹1	₹1

Notes

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