1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo
Strong data Pairwise comparison
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Axis Bank IndiGo vs HDFC Bank Millennia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndiGo and the HDFC Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee IndiGo saves ₹201/yrIndiGo ₹799 Annual-fee waiver not offeredMillennia ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup IndiGo 3.5%Millennia 3.5%
- Domestic lounge IndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsMillennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card1% · 5% on eligible amazon, bookMyShow, cult.fit, flipkart, myntra, sonyLIV, swiggy, tata CLiQ, uber, and zomato
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs HDFC Bank Millennia: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). HDFC Bank Millennia conservative base value ~1% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Millennia: ~₹500/month at base rate
- IndiGo Axis Bank: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndiGo Axis Bank | Millennia HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| International lounge visits Only available for Millennia | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹799 vs ₹1,000 | ₹799 | ₹1,000 |
| First-year cost Only available for Millennia | Not specified | ₹1,000 |
| Annual-fee waiver Not offered vs ₹1,00,000 | Not offered | ₹1,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Millennia | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 1 pt / ₹100 vs 1% | 1 pt / ₹100 | 1% |
| Conservative base value Not safely INR-comparable vs ~1% | Not safely INR-comparable | ~1% |
| Earn ceiling 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend vs ₹1,000 per calendar month | 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend | ₹1,000 per calendar month |
| 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
- IndiGo Axis Bank Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- HDFC Millennia Credit Card: Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank IndiGo
Verify with issuer , opens external siteHDFC Bank Millennia
Verify with issuer , opens external site