When it comes to mid-tier lifestyle credit cards, the Axis Bank Select Credit Card is worth mentioning, as it offers features such as complimentary international lounge access, golf privileges, and milestone rewards, making it ideal for high spenders who appreciate exclusive perks. On the other hand, the HDFC Millennia Credit Card offers cashback on top online brands, such as Amazon, Flipkart, and Swiggy, all at a pocket-friendly annual fee.
While these two cards cater to different segments, they’re both popular picks in their respective tiers. If your budget and spending pattern allow, having both can offer the best of both worlds, luxury with Axis Select and everyday savings with Millennia. But if you need to choose just one, this comparison will help you decide between the practical savings of Millennia and the premium benefits of Axis Select.
Fee Structure and Welcome Benefits Comparison
Axis Bank Select charges an annual fee of ₹3,000 plus GST, which is waived if you spend ₹8 lakh in a year. In comparison, HDFC Millennia offers a lower fee of ₹1,000 plus GST, which is waived with an annual spending of only ₹1 lakh.
| Particulars | Axis Select | HDFC Millennia |
| Annual Fee | ₹3,000 + GST | ₹1,000 + GST |
| Welcome Benefits | 10,000 EDGE Reward Points (Worth ₹2,000) on First Transaction | 1,000 CashPoints |
| Spend-Based Annual Fee Waiver | Fee Waiver on Spending ₹8 Lakh in a Year | Fee Waiver on Spending ₹1 Lakh in a Year |
Rewards Accrual and Redemption
Axis Bank Select offers tiered EDGE Rewards with higher earning rates on the first ₹20,000 spent each month, as well as flexible redemption options, including travel partners. HDFC Millennia, on the other hand, provides straightforward cashback in the form of CashPoints, with higher returns on popular online merchants.
| Particulars | Axis Select | HDFC Millennia |
| Earning Rewards |
|
|
| Redeeming Rewards |
|
|
Other Lifestyle Perks
The Axis Bank Select Credit Card takes the lead in offering lifestyle perks, including domestic and international lounge access, golf rounds, movie offers, and dining discounts. While the HDFC Millennia Credit Card keeps it simple with limited but useful benefits, such as dining discounts, making it more practical for everyday online spenders.
| Particulars | Axis Select | HDFC Millennia |
| Milestone Benefits | 5,000 Bonus EDGE Points on Annual Spend of ₹3 Lakh+ | ₹1,000 Gift Voucher for ₹1 Lakh per Quarter; Maximum ₹4,000 per Year |
| Domestic Lounge Access | 2 Free Visits Each Quarter on Spends of ₹50,000 or More in the Previous Quarter | N/A |
| International Lounge Access | 12 Complimentary Visits Annually via Priority Pass | N/A |
| Golf Perks |
|
N/A |
| Dining Discounts |
|
₹200 Off On Swiggy Dineout (Twice a Month on Minimum Spends of ₹2,000 Via the Swiggy App) |
| Movie Perks | BOGO on Movie Tickets Via District by Zomato App (Up to ₹250) Twice Each Month | N/A |
| Others | Save ₹500 on Spending ₹3000 or More on BigBasket | N/A |
With Axis Select, you can easily enjoy the benefits of auto-renewal for your complimentary Priority Pass membership when you reach a minimum annual spending of ₹3 lakh.
Bottom Line
The Axis Bank Select Credit Card is for users who seek lifestyle perks such as lounge access, golf, and luxury dining. With strong milestone rewards and international travel privileges, it’s a premium pick in the mid-tier category. On the other hand, the HDFC Millennia Credit Card focuses on rewarding frequent online shoppers with direct cashback, offering savings with a much lower annual fee. For those who can afford to hold both, pairing them may be a clever way to maximize both savings and other benefits.