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Credit CardsComparisons

Axis Bank Cashback Credit Card vs HDFC Millennia Credit Card

A head-to-head comparison of Axis Bank Cashback Credit Card and HDFC Millennia Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

CashbackCard A

Axis Bank Cashback Credit Card

Heavy Online Spenders

Annual Fee
₹1,000
Reward Rate
Up to 7% Tiered
Apply Now Read full review →
CashbackCard B

HDFC Millennia Credit Card

Millennial Shoppers

Annual Fee
₹1,000
Reward Rate
5% on partner brands
Apply Now Read full review →

Feature comparison

FeatureAxis BankHDFC Millennia
Annual Fee₹1,000 (Waived on ₹4L spend)₹1,000 (Waived on ₹1L spend)
Reward RateUp to 7% Tiered5% on partner brands
Best ForHeavy Online SpendersMillennial Shoppers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis BankHDFC Millennia
Online shopping
Dining
Everyday spending

Quick verdict

Choose Axis Bank Cashback Credit Card if:

    Choose HDFC Millennia Credit Card if:

    • You spend heavily on everyday spending
    • You spend heavily on dining
    • This is your first credit card

    Full pros & cons

    Axis Bank Cashback Credit Card

    What's good
    • Up to 7% cashback on high-volume online spends
    • Base 0.75% cashback on offline and travel spends
    • 0.5% cashback on utility bill payments
    Watch out for
    • Very high ₹4L spend requirement for annual fee waiver
    • Complex tiered structure (requires spending ₹40K+ to unlock 7%)
    • No lounge access
    Apply Now

    HDFC Millennia Credit Card

    What's good
    • 1% cashback on all offline spends
    • Low ₹1L annual spend threshold for fee waiver
    • Points can be used against statement balance (1 CP = ₹1)
    Watch out for
    • Lounge access requires a massive ₹1 Lakh spend in a calendar quarter
    • 5% cashback capped at ₹1,000 per billing cycle
    • Cashback given as CashPoints, requires manual redemption with a ₹50 fee
    • No reward points on wallet loads, Easy EMI, and education payments via third-party apps like CRED/Cheq (direct college/school payments still earn points)
    Apply Now
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