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IndianOil Axis Bank Premium vs Millennia – Full comparison

Both cards verified with issuer

IndianOil Axis Bank Premium source Millennia source

Forex costs are a key difference

Key differences

Best forex Millennia 2%
Best lounge IndianOil Axis Bank Premium 8/year lounge

Spend context

At ₹50k/month spend:

  • Millennia: ~₹1,000/month at base rate
  • IndianOil Axis Bank Premium: Base earn not clearly specified

Approximate, based on base rates (before caps).

IndianOil Axis Bank Premium AXIS Millennia HDFC
Lounge Access
Domestic lounge visits
2/quarter vs None
 2/quarter None
Forex / International Use
Forex markup
Source agreement differs — verify both.
3.5% vs 2%
 3.5% 2%
Fees
Annual fee
No difference
 ₹1,000 ₹1,000
Joining fee
No difference
 ₹1,000 ₹1,000
Fee waiver spend
Only available for Millennia
 Not clearly specified ₹1,00,000
Rewards
Points per ₹150
Only available for Millennia
 Check issuer 3 pts
Point cash value
Only available for Millennia
 Check issuer ₹1

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.