Compare credit cards

4.4/ 5

3 cards selected · tap any row to highlight

Trending matchups

HDFC Millennia Credit Card

HDFC Millennia Credit Card

HDFC Bank

ACE Credit Card

ACE Credit Card

Axis Bank

CASHBACK SBI Card

CASHBACK SBI Card

SBI Card

HDFC Millennia Credit Card
77
Very Good
HDFC Millennia Credit Card

HDFC Bank

ACE Credit Card
79
Very Good
ACE Credit Card

Axis Bank

CASHBACK SBI Card
70
Very Good
CASHBACK SBI Card

SBI Card

01—CardCheck Score & Pillars
CardCheck Score
77
79Best
70
Rating Verdict
Very Good
Very Good
Very Good
Reward Power (35%)
34/35
34/35
34/35
Fee Value & ROI (25%)
20/25
22/25
20/25
Lounge & Travel (20%)
11/20
11/20
4/20
Forex & Access (20%)
12/20
12/20
12/20
02—Basic Info
Bank
HDFC Bank
Axis Bank
SBI Card
Network
Visa, Mastercard, Diners, RuPay
Visa
Visa
Card type
Regular
Regular
Regular
Best for
online shoppers
Cashback on utility bills via Google Pay and daily spending
Online cashback
03—Fees
Joining fee
₹1,000
₹499Best
₹999
Annual fee
₹1,000
₹499Best
₹999
Fee waiver
₹1,00,000Best
₹2,00,000
₹2,00,000
Interest-free days
50
50
50
04—Interest
APR (min)
43.2%
55.55%
42%Best
APR (max)
43.2%
55.55%
42%Best
Late payment fee
₹1,300
₹1,300
₹1,300
Cash advance fee
2.5%
2.5%
2.5%
05—Rewards
Reward type
cashback
cashback
cashback
Min rate
1%
1.5%Best
1%
Max rate
5%
5%
5%
Points / ₹100
1
—
—
Point value
₹1
—
—
Monthly cap
₹2,000
—
₹4,000
06—Travel & Lounge
Domestic lounge / qtr
1Best
1Best
0
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
—
0
Priority Pass
DreamFolks
07—Forex & Fuel
Forex markup
3.5%
3.5%
3.5%
Fuel surcharge waiver
08—Features
Metal card
Contactless
UPI linked
09—Eligibility
Invite only
Rows won
02of 08
04of 08
02of 08

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CardCheck Comparison Index & Cardholder Ratings

Rated by verified cardholders and updated daily with zero sponsored placement bias. All fee waivers, lounge quotas, and net reward earnings are computed using official RBI MITC disclosures.

100% Unbiased Index
Tool & Evaluation Rating
4.4/ 5.0

Based on 111 verified cardholder ratings

87% 4-Star & 5-Star Satisfaction

Rating Breakdown

5 ★
57
4 ★
40
3 ★
11
2 ★
3
1 ★
0
Indexed Cards: 156Fee Audits: 100% MITC

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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 77/100 (Very Good) for HDFC Millennia Credit Card (a lead of +2 points). ACE Credit Card gains its scoring lead primarily through fee value & ROI (22 vs 20) while tying on reward potential and lounge & travel privileges and forex & terms.

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).