HDFC Millennia Credit Card
HDFC Bank
ACE Credit Card
Axis Bank
HDFC Bank
Axis BankACE Credit Card leads overall with a CardCheck Score of 79/100 (+6 pts over HDFC Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs ACE- CardCheck Score
- 73
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 20/25
- 22/25
- Lounge & Travel (20%)
- 11/20
- 11/20
- Forex & Access (20%)
- 8/20
- 12/20
- Bank
- HDFC Bank
- Axis Bank
- Network
- Visa, Mastercard, Diners, RuPay
- Visa
- Card type
- Regular
- Regular
- Best for
- online shoppers
- Cashback on utility bills via Google Pay and daily spending
- Joining fee
- ₹1,000
- ₹499Best
- Annual fee
- ₹1,000
- ₹499Best
- Fee waiver
- ₹1,00,000Best
- ₹2,00,000
- Interest-free days
- 50
- 50
- APR (min)
- 43.2%Best
- 55.55%
- APR (max)
- 43.2%Best
- 55.55%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1.5%Best
- Max rate
- 5%
- 5%
- Points / ₹100
- 1
- —
- Point value
- ₹1
- —
- Monthly cap
- ₹2,000
- —
- Domestic lounge / qtr
- 1
- 1
- Lounge spend criteria
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- ₹50,000 spend in the previous 3 calendar months.
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 18
- Min income / month
- ₹35,000
- ₹25,000
- Min CIBIL
- —
- 700
- Invite only
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73 | 79Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 20/25 | 22/25 |
| Lounge & Travel (20%) | 11/20 | 11/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | Axis Bank |
| Network | Visa, Mastercard, Diners, RuPay | Visa |
| Card type | Regular | Regular |
| Best for | online shoppers | Cashback on utility bills via Google Pay and daily spending |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000 | ₹499Best |
| Annual fee | ₹1,000 | ₹499Best |
| Fee waiver | ₹1,00,000Best | ₹2,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 43.2%Best | 55.55% |
| APR (max) | 43.2%Best | 55.55% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1.5%Best |
| Max rate | 5% | 5% |
| Points / ₹100 | 1 | — |
| Point value | ₹1 | — |
| Monthly cap | ₹2,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 1 |
| Lounge spend criteria | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher | ₹50,000 spend in the previous 3 calendar months. |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹35,000 | ₹25,000 |
| Min CIBIL | — | 700 |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
| Key Specification | HDFC Millennia Credit Card | ACE Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 79/100Very Good |
| Annual Fee | ₹1,000 | ₹499 |
| Fee Waiver Spend | ₹1L/yr | ₹2L/yr |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | 1 / quarter | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Millennia Credit Card if:
Your spending centers around online shoppers and you want direct partner rewards with HDFC Bank.
Choose ACE Credit Card if:
Your spending aligns with cashback on utility bills via google pay and daily spending and you prioritize Axis Bank's redemption benefits.
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Frequently Asked Questions: HDFC Millennia Credit Card vs ACE Credit Card
Which is better: HDFC Millennia Credit Card or ACE Credit Card?
ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 73/100 (Very Good) for HDFC Millennia Credit Card (a lead of +6 points). ACE Credit Card provides better net value across rewards and fee structures.
How do annual fees and fee waiver spend rules compare?
HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh.
How do the reward rates and cashback compare between HDFC Millennia Credit Card and ACE Credit Card?
HDFC Millennia Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, ACE Credit Card offers a base rate of 1.5% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: HDFC Millennia Credit Card or ACE Credit Card?
HDFC Millennia Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher). On the other hand, ACE Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (₹50,000 spend in the previous 3 calendar months.).
Which card is better for international foreign currency spends?
HDFC Millennia Credit Card levies a foreign currency markup fee of 3.5%, while ACE Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).