Compare Cards India - Apply Right Credit Card For You

Axis Bank ACE Credit Card Apply Now	HDFC Bank Millennia Credit Card Apply Now
Joining Fee Rs. 499 + GST	Joining Fee Rs. 1,000 + GST
Rewards and Benefits
Welcome Benefits N/A	Welcome Benefits 1,000 CashPoints as a Welcome Benefit.
Rewards Rate 5% cashback on paying bills & on mobile recharges via GPay and 4% cashback on Swiggy, Ola, Zomato, with a combined capping of Rs. 500 cashback per month.2% cashback elsewhere on other merchants.	Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)
Movie & Dining A discount of up to 20% on dining at 4,000+ restaurants under the Axis Bank Dining Delights program.	Movie & Dining Up to 20% discount at partner restaurants with complimentary Swiggy Dineout
Reward Redemption Your earned cashback is automatically credited to the cardholders' accounts.	Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.
Travel Complimentary lounge access per year at domestic airports, accelerated (4%) cashback on Ola rides with Axis Bank Ace Card.	Travel 4 complimentary airport lounge access every year, 1 per quarter
Golf NA	Golf N/A
Domestic Lounge 4 complimentary airport lounge visits to domestic airport lounges per year	Domestic Lounge 1 Domestic Airport Lounge Access Every Quarter (4 Each Year)
International Lounge NA	International Lounge N/A
Insurance Benefits NA	Insurance Benefits N/A
Zero Liability Protection Cardmembers won't be liable for any unauthorized/fraudulent transactions if the loss of the card is reported within 3 days.	Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.
Fees & Charges

Renewal Fee Rs. 499 + GST	Renewal Fee Rs. 1,000 + GST
Spend Based Waiver Joining fee is waived on spends of Rs. 10,000 within 45 days of card issuance, and annual fee (2nd year onwards) is waived on total annual spends of Rs. 2,00,000.	Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Rewards Redemption Fee Nil	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.5% (plus applicable taxes)
Interest Rates 3.6% per month or 52.86% annualized	Interest Rates 3.6% per month (or 43.2% per annum)
Fuel Surcharge 1% fuel surcharge is waived for purchases worth between Rs. 400 and Rs. 4,000 (maximum waiver of Rs. 500/month).	Fuel Surcharge 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.
Cash Advance Charges 2.5% of the withdrawn amount, subject to a minimum amount of Rs. 500.	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Add-on Card Fee Nil	Add-on Card Fee Nil

Axis Bank ACE Credit Card

HDFC Bank Millennia Credit Card

Rewards and Benefits

Fees & Charges

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