AU Zenith Credit Card vs HDFC Millennia Credit Card
AU Small Finance Bank · HDFC Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreGood
Annual Fee₹7,999
Max Reward1.25%
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
HDFC Millennia Credit Card leads overall with a CardCheck Score of 73/100 (+11 pts over AU Zenith Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs HDFCReward Power
35%AU20/35
HDFC34/35
HDFC Wins
Fee Value & ROI
25%AU12/25
HDFC20/25
HDFC Wins
Lounge & Travel
20%AU18/20
HDFC11/20
AU Wins
Forex & Access
20%AU12/20
HDFC8/20
AU Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 62
- 73Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 20/35
- 34/35
- Fee Value & ROI (25%)
- 12/25
- 20/25
- Lounge & Travel (20%)
- 18/20
- 11/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- AU Small Finance Bank
- HDFC Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Regular
- Best for
- Premium lifestyle and travel rewards
- online shoppers
03—Fees
- Joining fee
- ₹7,999
- ₹1,000Best
- Annual fee
- ₹7,999
- ₹1,000Best
- Fee waiver
- ₹5,00,000
- ₹1,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 23.8%Best
- 43.2%
- APR (max)
- 23.8%Best
- 43.2%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 0.75%
- 1%Best
- Max rate
- 1.25%
- 5%Best
- Points / ₹100
- 3Best
- 1
- Point value
- ₹0.25
- ₹1
- Monthly cap
- ₹6,250
- ₹2,000
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 1
- Lounge spend criteria
- Domestic lounge access requires ₹50,000 spend in the preceding calendar quarter
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- Intl lounge / year
- 8Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.99%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- ₹35,000
- Invite only
Rows won
06of 12
06of 12
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 62 | 73Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 20/35 | 34/35 |
| Fee Value & ROI (25%) | 12/25 | 20/25 |
| Lounge & Travel (20%) | 18/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | HDFC Bank |
| Network | Visa | Visa |
| Card type | Premium | Regular |
| Best for | Premium lifestyle and travel rewards | online shoppers |
03—Fees Differences highlighted | ||
| Joining fee | ₹7,999 | ₹1,000Best |
| Annual fee | ₹7,999 | ₹1,000Best |
| Fee waiver | ₹5,00,000 | ₹1,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 23.8%Best | 43.2% |
| APR (max) | 23.8%Best | 43.2% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 0.75% | 1%Best |
| Max rate | 1.25% | 5%Best |
| Points / ₹100 | 3Best | 1 |
| Point value | ₹0.25 | ₹1 |
| Monthly cap | ₹6,250 | ₹2,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 1 |
| Lounge spend criteria | Domestic lounge access requires ₹50,000 spend in the preceding calendar quarter | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher |
| Intl lounge / year | 8Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.99%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | ₹35,000 |
| Invite only | ||
| Rows won | 06of 12 | 06of 12 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU Zenith Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| CardCheck Score | 62/100Good | 73/100Very Good |
| Annual Fee | ₹7,999 | ₹1,000 |
| Fee Waiver Spend | ₹5L/yr | ₹1L/yr |
| Max Reward Potential | 1.25% | 5% |
| Domestic Lounge Access | 2 / quarter | 1 / quarter |
| International Lounge | 8 / year | None |
| Forex Markup Fee | 1.99% | 3.5% |
Choose AU Zenith Credit Card if:
Your spending centers around premium lifestyle and travel rewards 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 Zenith Credit Card vs HDFC Millennia Credit Card
- Which is better: AU Zenith Credit Card or HDFC Millennia Credit Card?
- HDFC Millennia Credit Card holds a higher overall rating with a CardCheck Score of 73/100 (Very Good) compared to 62/100 (Good) for AU Zenith Credit Card (a lead of +11 points). HDFC Millennia Credit Card gains its scoring lead primarily through reward potential (34 vs 20) and fee value & ROI (20 vs 12).
- How do annual fees and fee waiver spend rules compare?
- AU Zenith Credit Card charges an annual fee of ₹7,999 with an annual spend threshold of ₹5 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 Zenith Credit Card and HDFC Millennia Credit Card?
- AU Zenith Credit Card offers a base reward rate of 0.75% and up to 1.25% 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 Zenith Credit Card or HDFC Millennia Credit Card?
- AU Zenith Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 8 international lounge visits/year with Priority Pass (Domestic lounge access requires ₹50,000 spend in the preceding calendar quarter). On the other hand, 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).
- Which card is better for international foreign currency spends?
- AU Zenith Credit Card levies a foreign currency markup fee of 1.99%, while HDFC Millennia 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).