Axis Bank Ace vs HDFC Bank Millennia
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Axis Bank
Ace
HDFC Bank
Millennia
| Detail | Axis Bank Ace | HDFC Bank Millennia |
|---|---|---|
| Annual fee | ₹499 | ₹1,000 |
| Joining fee | ₹499 | ₹1,000 |
| Income requirement | Rs.3L+ per annum | Rs.4L+ per annum |
| utilities rewards | 5% | - |
| shopping rewards | 4% | 2.5%, 2.5% |
| dining rewards | 4%, 4% | 2.5%, 2.5% |
| all rewards | 2% | 1% |
| Lounge access | - | Dreamfolks |
| Benefits | Google Pay Cashback, Fuel Surcharge Waiver, Air Accident Cover | Movie Discounts, Shopping Rewards, Fuel Surcharge Waiver |
Verdict
Axis Bank Ace ranks above HDFC Bank Millennia for dining (4.0% effective reward rate vs 2.5% effective reward rate; annual fee ₹499 vs annual fee ₹1,000). The score nets the annual fee against rewards, so the better pick depends on how much you spend.
Frequently asked questions
- Which has the lower annual fee, Axis Bank Ace or HDFC Bank Millennia?
- Axis Bank Ace charges ₹499 and HDFC Bank Millennia charges ₹1,000 per year.
- Which card has the higher reward rate?
- Axis Bank Ace peaks at about 5.0% and HDFC Bank Millennia at about 2.5% effective rewards.
- Which card offers more lounge access?
- Axis Bank Ace lists 0 lounge program(s); HDFC Bank Millennia lists 1.
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