Axis Bank My Zone 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 BankScoreVery Good
Annual Fee₹500
Max Reward5%
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
Axis Bank My Zone Credit Card leads overall with a CardCheck Score of 79/100 (+6 pts over HDFC Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs HDFCReward Power
35%Axis34/35
HDFC34/35
Tie (34/35)
Fee Value & ROI
25%Axis22/25
HDFC20/25
Axis Wins
Lounge & Travel
20%Axis11/20
HDFC11/20
Tie (11/20)
Forex & Access
20%Axis12/20
HDFC8/20
Axis Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 73
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 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
- RuPay
- Visa
- Card type
- Regular
- Regular
- Best for
- Dining and Entertainment
- online shoppers
03—Fees
- Joining fee
- FreeBest
- ₹1,000
- Annual fee
- ₹500Best
- ₹1,000
- Fee waiver
- —
- ₹1,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 41.4%Best
- 43.2%
- APR (max)
- 52.86%
- 43.2%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1.25%Best
- 1%
- Max rate
- 5%
- 5%
- Points / ₹100
- 2Best
- 1
- Point value
- ₹0.2
- ₹1
- Monthly cap
- —
- ₹2,000
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 1
- Lounge spend criteria
- No spend condition
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹25,000
- ₹35,000
- Invite only
Rows won
07of 08
01of 08
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 73 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 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 | RuPay | Visa |
| Card type | Regular | Regular |
| Best for | Dining and Entertainment | online shoppers |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹1,000 |
| Annual fee | ₹500Best | ₹1,000 |
| Fee waiver | — | ₹1,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 41.4%Best | 43.2% |
| APR (max) | 52.86% | 43.2%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1.25%Best | 1% |
| Max rate | 5% | 5% |
| Points / ₹100 | 2Best | 1 |
| Point value | ₹0.2 | ₹1 |
| Monthly cap | — | ₹2,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 1 |
| Lounge spend criteria | No spend condition | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher |
| Intl lounge / year | 0 | 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 income / month | ₹25,000 | ₹35,000 |
| Invite only | ||
| Rows won | 07of 08 | 01of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank My Zone Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 73/100Very Good |
| Annual Fee | ₹500 | ₹1,000 |
| Fee Waiver Spend | No waiver | ₹1L/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 Axis Bank My Zone Credit Card if:
Your spending centers around dining and entertainment 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.
Popular Comparisons for Axis Bank My Zone Credit Card
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Frequently asked questions: Axis Bank My Zone Credit Card vs HDFC Millennia Credit Card
- Which is better: Axis Bank My Zone Credit Card or HDFC Millennia Credit Card?
- Axis Bank My Zone 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). Axis Bank My Zone Credit Card gains its scoring lead primarily through forex & terms (12 vs 8) and fee value & ROI (22 vs 20) while tying on reward potential and lounge & travel privileges.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank My Zone Credit Card charges an annual fee of ₹500 with no official annual spend waiver milestone 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 Axis Bank My Zone Credit Card and HDFC Millennia Credit Card?
- Axis Bank My Zone Credit Card offers a base reward rate of 1.25% 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: Axis Bank My Zone Credit Card or HDFC Millennia Credit Card?
- Axis Bank My Zone Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year). 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?
- Axis Bank My Zone Credit Card levies a foreign currency markup fee of 3.5%, 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).