AU ixigo Credit Card vs HDFC Millennia Credit Card
AU Small Finance Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreExcellent
Annual Fee₹999
Max Reward5%
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
AU ixigo Credit Card leads overall with a CardCheck Score of 81/100 (+8 pts over HDFC Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs HDFCReward Power
35%AU34/35
HDFC34/35
Tie (34/35)
Fee Value & ROI
25%AU20/25
HDFC20/25
Tie (20/25)
Lounge & Travel
20%AU15/20
HDFC11/20
AU Wins
Forex & Access
20%AU12/20
HDFC8/20
AU Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 81Best
- 73
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 20/25
- 20/25
- Lounge & Travel (20%)
- 15/20
- 11/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- AU Small Finance Bank
- HDFC Bank
- Network
- Mastercard
- Visa, Mastercard
- Card type
- Co-branded
- Regular
- Best for
- ixigo travel platform users — ixigo Money credits + 2 lounge/quarter
- online shoppers
03—Fees
- Joining fee
- ₹999Best
- ₹1,000
- Annual fee
- ₹999Best
- ₹1,000
- Fee waiver
- ₹1,00,000
- ₹1,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%
- —
- APR (max)
- 42%
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 5%
- Points / ₹100
- 5
- —
- Point value
- ₹0.25
- ₹1
- Monthly cap
- —
- ₹3,000
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹20,000
- ₹35,000
- Min CIBIL
- 680
- —
- Invite only
Rows won
04of 04
00of 04
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 81Best | 73 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 20/25 | 20/25 |
| Lounge & Travel (20%) | 15/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | HDFC Bank |
| Network | Mastercard | Visa, Mastercard |
| Card type | Co-branded | Regular |
| Best for | ixigo travel platform users — ixigo Money credits + 2 lounge/quarter | online shoppers |
03—Fees Differences highlighted | ||
| Joining fee | ₹999Best | ₹1,000 |
| Annual fee | ₹999Best | ₹1,000 |
| Fee waiver | ₹1,00,000 | ₹1,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | — |
| APR (max) | 42% | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1% | 1% |
| Max rate | 5% | 5% |
| Points / ₹100 | 5 | — |
| Point value | ₹0.25 | ₹1 |
| Monthly cap | — | ₹3,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹20,000 | ₹35,000 |
| Min CIBIL | 680 | — |
| Invite only | ||
| Rows won | 04of 04 | 00of 04 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU ixigo Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| CardCheck Score | 81/100Excellent | 73/100Very Good |
| Annual Fee | ₹999 | ₹1,000 |
| Fee Waiver Spend | ₹1L/yr | ₹1L/yr |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | 2 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose AU ixigo Credit Card if:
Your spending centers around ixigo travel platform users — ixigo money credits + 2 lounge/quarter and you want direct partner rewards with AU Small Finance Bank.
Choose HDFC Millennia Credit Card if:
Your spending aligns with online shoppers and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: AU ixigo Credit Card vs HDFC Millennia Credit Card
- Which is better: AU ixigo Credit Card or HDFC Millennia Credit Card?
- AU ixigo Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 73/100 (Very Good) for HDFC Millennia Credit Card (a lead of +8 points). AU ixigo Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- AU ixigo Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between AU ixigo Credit Card and HDFC Millennia Credit Card?
- AU ixigo Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, HDFC Millennia Credit Card offers a base rate of 1% 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: AU ixigo Credit Card or HDFC Millennia Credit Card?
- AU ixigo Credit Card provides 2 domestic lounge visit(s) per quarter. On the other hand, HDFC Millennia Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- AU ixigo Credit Card levies a foreign currency markup fee of 3.5%, while HDFC Millennia Credit Card charges 3.50%. 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).