Does HDFC Millennia offer lounge access?

Technically yes, but practically no. HDFC Millennia provides lounge access only if you spend ₹1 lakh in a calendar quarter — most users won't qualify consistently. Axis ACE requires ₹50,000 quarterly spend for lounge access, which is also high. Neither card should be chosen primarily for lounge access.

Which card is better for Zomato and Swiggy?

HDFC Millennia gives 5% on both Swiggy and Zomato (Zomato is listed in the 10-partner list alongside Amazon, Flipkart, Myntra, Tata CLiQ, SonyLIV, BookMyShow, Uber, and Cult.fit — as of mid-2026; partner lists change often, so verify on the issuer's current T&C). Axis ACE also gives 4% on both. For someone using both apps, Millennia's higher 5% rate edges ahead; if your spending is spread beyond these platforms, ACE's flat 1.5% on everything is simpler.

Credit CardsComparisons

HDFC Millennia Credit Card vs Axis Bank ACE Credit Card

HDFC Millennia and Axis ACE are the two most recommended entry-level credit cards in India, and the choice between them comes down to one question: do you shop on the same 10 platforms every month, or is your spending spread everywhere? Millennia delivers higher rates inside its partner ecosystem; ACE delivers simplicity and broader coverage outside it.

HDFC Millennia wins for committed platform shoppers; Axis ACE wins for mixed spenders and utility-bill payers.

CashbackCard A

HDFC Millennia Credit Card

Millennial Shoppers

Annual Fee

₹1,000

Reward Rate

5% on partner brands

Apply Now Read full review →

Grocery & RetailCard B

Axis Bank ACE Credit Card

Retail & Groceries

Annual Fee

₹499

Reward Rate

1.5% Flat Cashback

Apply Now Read full review →

Feature comparison

Feature	HDFC Millennia	Axis Bank
Annual Fee	₹1,000 (Waived on ₹1L spend)	₹499 (Waived on ₹2L spend)
Reward Rate	5% on partner brands	1.5% Flat Cashback
Best For	Millennial Shoppers	Retail & Groceries
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

Category	HDFC Millennia	Axis Bank
Online shopping
Groceries
Dining
Utility bills
Everyday spending

Earning example

Scenario: Monthly spend: ₹8,000 on Millennia partners + ₹12,000 other spend

HDFC Millennia Credit Card

₹400 on partners (5%) + ₹120 other (1%) = ₹520

CashPoints redemption requires manual action + ₹50 fee.

Axis Bank ACE Credit Card

₹300 flat (1.5% × ₹20,000)

Plus up to ₹500 (monthly cap) if utilities via BBPS/GPay are included at 5%.

Our verdict: which card should you pick?

Pick HDFC Millennia Credit Card

You are a digital-native spender who regularly uses Amazon, Myntra, Tata CLiQ, Uber, BookMyShow, Cult.fit — and can predictably hit most of the 10 partner categories each month.
You have an HDFC bank account and prefer keeping your financial products with one bank.
You can reach the ₹1L annual spend waiver, which is lower than ACE's ₹2L threshold.

Pick Axis Bank ACE Credit Card

You want one card that just works everywhere without category tracking — grocery stores, offline retail, fuel, bills, and online all earn the same 1.5%.
You use Google Pay for electricity, gas, or mobile recharges (₹2,000-5,000/month) — ACE gives 5% on those via GPay, Millennia doesn't.
You prefer Axis Bank or don't have a pre-existing bank relationship bias.

Full pros & cons

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

Axis Bank ACE Credit Card

What's good

Uncapped 1.5% cashback on all online and offline spends
5% cashback on utility bill payments via Google Pay, PhonePe, or any BBPS-enabled UPI app
4% cashback on Swiggy, Zomato, and Ola

Watch out for

5% and 4% cashback categories have a strict combined cap of ₹500 per month
Lounge access requires a heavy ₹50,000 spend in the previous quarter
Cashback credited only after statement generation

Apply Now

Frequently asked questions

Does HDFC Millennia offer lounge access?: Technically yes, but practically no. HDFC Millennia provides lounge access only if you spend ₹1 lakh in a calendar quarter — most users won't qualify consistently. Axis ACE requires ₹50,000 quarterly spend for lounge access, which is also high. Neither card should be chosen primarily for lounge access.
Which card is better for Zomato and Swiggy?: HDFC Millennia gives 5% on both Swiggy and Zomato (Zomato is listed in the 10-partner list alongside Amazon, Flipkart, Myntra, Tata CLiQ, SonyLIV, BookMyShow, Uber, and Cult.fit — as of mid-2026; partner lists change often, so verify on the issuer's current T&C). Axis ACE also gives 4% on both. For someone using both apps, Millennia's higher 5% rate edges ahead; if your spending is spread beyond these platforms, ACE's flat 1.5% on everything is simpler.

Related comparisons

SBI Cashback vs Axis Bank SBI Cashback vs HDFC Millennia Swiggy ORNGE vs Axis Bank

Browse all cards·Try the card recommender →