Shortlist 2–4 cards
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the HDFC Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | IndianOil Axis Bank Premium RuPay | Millennia |
|---|---|---|
| Annual fee | ₹1,000 Waivable at ₹30,000 spend | ₹1,000 Waivable at ₹1,00,000 spend |
| Forex fee | 3.5% | 3.5% |
| Domestic lounge | 8/year (2 per quarter) | No lounge access |
Fees: Tie
Confidence: High
Forex: Tie
Confidence: High
Lounge: IndianOil Axis Bank Premium RuPay wins
Confidence: High
Confidence: High
Start with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs HDFC Bank Millennia: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs No lounge access).
Explore: Axis Bank IndianOil Axis Bank Premium RuPay card page · HDFC Bank Millennia card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: High
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| IndianOil Axis Bank Premium RuPay Axis Bank | Millennia HDFC Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs No lounge access | 8/year (2 per quarter) | No lounge access |
| 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 ₹30,000 vs ₹1,00,000 | ₹30,000 | ₹1,00,000 |
| Rewards | ||
| Reward points (base spend) 1 pts/₹150 vs 1 pts/₹100 | 1 pts/₹150 | 1 pts/₹100 |
| Point cash value | ₹1 | ₹1 |