Airtel Axis Bank Credit Card vs HDFC Millennia Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹500
Max Reward25%
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
Airtel Axis Bank Credit Card leads overall with a CardCheck Score of 80/100 (+7 pts over HDFC Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
Airtel vs HDFCReward Power
35%Airtel35/35
HDFC34/35
Airtel Wins
Fee Value & ROI
25%Airtel22/25
HDFC20/25
Airtel Wins
Lounge & Travel
20%Airtel11/20
HDFC11/20
Tie (11/20)
Forex & Access
20%Airtel12/20
HDFC8/20
Airtel Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 80Best
- 73
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 22/25
- 20/25
- Lounge & Travel (20%)
- 11/20
- 11/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- Visa, Mastercard
- Card type
- Regular
- Regular
- Best for
- Airtel subscribers — telecom, broadband & utility cashback
- online shoppers
03—Fees
- Joining fee
- ₹500Best
- ₹1,000
- Annual fee
- ₹500Best
- ₹1,000
- Fee waiver
- ₹2,00,000
- ₹1,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 52.86%
- —
- APR (max)
- 52.86%
- —
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 25%Best
- 5%
- Point value
- —
- ₹1
- Monthly cap
- —
- ₹3,000
06—Travel & Lounge
- Domestic lounge / qtr
- 1Best
- 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
- 18
- 21
- Min income / month
- ₹15,000
- ₹35,000
- Min CIBIL
- 700
- —
- Invite only
Rows won
05of 06
01of 06
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 80Best | 73 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 22/25 | 20/25 |
| Lounge & Travel (20%) | 11/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Visa, Mastercard |
| Card type | Regular | Regular |
| Best for | Airtel subscribers — telecom, broadband & utility cashback | online shoppers |
03—Fees Differences highlighted | ||
| Joining fee | ₹500Best | ₹1,000 |
| Annual fee | ₹500Best | ₹1,000 |
| Fee waiver | ₹2,00,000 | ₹1,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | — |
| APR (max) | 52.86% | — |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1% |
| Max rate | 25%Best | 5% |
| Point value | — | ₹1 |
| Monthly cap | — | ₹3,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1Best | 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 | 18 | 21 |
| Min income / month | ₹15,000 | ₹35,000 |
| Min CIBIL | 700 | — |
| Invite only | ||
| Rows won | 05of 06 | 01of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Airtel Axis Bank Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| CardCheck Score | 80/100Excellent | 73/100Very Good |
| Annual Fee | ₹500 | ₹1,000 |
| Fee Waiver Spend | ₹2L/yr | ₹1L/yr |
| Max Reward Potential | 25% | 5% |
| Domestic Lounge Access | 1 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Airtel Axis Bank Credit Card if:
Your spending centers around airtel subscribers — telecom, broadband & utility cashback and you want direct partner rewards with Axis Bank.
Choose HDFC Millennia Credit Card if:
Your spending aligns with online shoppers and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Airtel Axis Bank Credit Card vs HDFC Millennia Credit Card
- Which is better: Airtel Axis Bank Credit Card or HDFC Millennia Credit Card?
- Airtel Axis Bank Credit Card holds a higher overall rating with a CardCheck Score of 80/100 (Excellent) compared to 73/100 (Very Good) for HDFC Millennia Credit Card (a lead of +7 points). Airtel Axis Bank 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?
- Airtel Axis Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 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 Airtel Axis Bank Credit Card and HDFC Millennia Credit Card?
- Airtel Axis Bank Credit Card offers a base reward rate of 1% and up to 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: Airtel Axis Bank Credit Card or HDFC Millennia Credit Card?
- Airtel Axis Bank Credit Card provides 1 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?
- Airtel Axis Bank 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).