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

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: IndiGo Axis Bank Credit Card or HDFC Millennia Credit Card?

IndiGo Axis Bank Credit Card has a lower annual fee (₹799 vs ₹1,000).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter domestic lounge. HDFC Millennia Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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.

Quick comparison

Three core metrics

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Millennia HDFC Bank

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

Reward earning explained

Per card

IndiGo

3 pts / ₹100 on Indigo + 2 pts / ₹100 on Grocery Dining

Millennia

5% on Amazon (domestic) (CashBack valid only for non-emi spends) + 5% on BookMy…

Pick based on what matters

2 dimensions

Start 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 (1/quarter vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.

Verify with issuer

All fields

Standard view

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.

Swipe for all fields

Field	IndiGo Axis Bank	Millennia HDFC Bank
Lounge Access
Domestic lounge visits	1/quarter	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹799 vs ₹1,000	₹799	₹1,000
Joining fee ₹799 vs ₹1,000	₹799	₹1,000
Fee waiver spend Only available for Millennia	Not specified	₹1,00,000
Rewards
Points per ₹100 1 pts vs 1%	1 pts	1%
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Millennia	Not specified	₹0.3
Point validity Only available for Millennia	Not specified	2 years

Notes

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