Credit Cards · Head to Head
Axis Bank ACE Credit Card vs HDFC Millennia Credit Card
Side-by-side comparison of fees, rewards, and benefits. Find out which card wins for your situation.
Axis Bank
Axis Bank ACE Credit Card
₹499/yr annual fee · 2% base rate
Pick this if you want:
- ✓Lower annual fee (₹499/yr vs ₹1,000/yr)
- ✓Lower income requirement — easier to get approved
- ✓Higher base reward rate (2% vs 1%)
HDFC Bank
HDFC Millennia Credit Card
₹1,000/yr annual fee · 1% base rate
Pick this if you want:
- ✓Higher top reward rate (5% on Shopping)
- ✓Includes airport lounge access
Full Comparison
Axis Bank ACE Credit Card vs HDFC Millennia Credit Card — FAQs
Which is better — Axis Bank ACE Credit Card or HDFC Millennia Credit Card?
It depends on your spending pattern. Axis Bank ACE Credit Card is better if: lower annual fee (₹499/yr vs ₹1,000/yr). HDFC Millennia Credit Card is better if: higher top reward rate (5% on shopping). Use the SingleVerdict finder to get a personalised answer based on your exact income, spending, and goals.
What is the annual fee difference between Axis Bank ACE Credit Card and HDFC Millennia Credit Card?
Axis Bank ACE Credit Card has an annual fee of ₹499/yr, waivable if Spend ?2L in a year. HDFC Millennia Credit Card has an annual fee of ₹1,000/yr, waivable if Spend ₹1L/year.
Which card has better rewards — Axis Bank ACE Credit Card or HDFC Millennia Credit Card?
Axis Bank ACE Credit Card earns 2% base reward rate and up to 4% on Dining. HDFC Millennia Credit Card earns 1% base reward rate and up to 5% on Shopping. Pick the card whose bonus category matches where you spend the most.
Which card is easier to get approved for?
Axis Bank ACE Credit Card requires a minimum monthly income of ₹15,000 and CIBIL score of 700+. HDFC Millennia Credit Card requires ₹35,000 and CIBIL score of 720+. Axis Bank ACE Credit Card has a lower income threshold and may be easier to qualify for.
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Get My Personalised Verdict →Information on this page is gathered from public sources and card issuers' official websites. Fees and rates may change — verify on the issuer website before applying. SingleVerdict may earn a referral fee if you apply through our links.