HDFC Millennia vs Airtel Axis Bank

Reviewed by Chandan Kumar Dash

Airtel Axis Bank has the lower annual fee (₹500 against ₹1,000). HDFC Millennia waives its fee on ₹1,00,000 of spend a year; Airtel Axis Bank waives its fee on ₹2,00,000 of spend a year. Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

Feature	HDFC MillenniaHDFC1 win	Airtel Axis BankAxis2 wins · ahead
Annual fee	₹1,000	Lower₹500
Joining fee	₹1,000	Lower₹500
Fee waiver	LowerWaived on ₹1,00,000 spend a year	Waived on ₹2,00,000 spend a year
Rewards	5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit; 1% cashback on other spends	25% cashback on Airtel mobile, broadband, Wi-Fi and DTH bills; 10% on utility bill payments; Amazon eVoucher worth ₹250 on first transaction
Airport lounges	None listed	None listed
Forex markup	3.5% plus GST	3.5% plus GST
Points	Cashback or not listed	Cashback or not listed
Published minimum income and age	Salaried ₹4,20,000 a year, self-employed ₹6,00,000 a year, age 21 to 40	age 18 to 70
Network	Visa / Mastercard	Not listed
Apply	ApplyAffiliate link	ApplyAffiliate link

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Common questions

Which has the lower annual fee?

Airtel Axis Bank (₹500 against ₹1,000). HDFC Millennia waives it on ₹1,00,000 of spend a year. Airtel Axis Bank waives it on ₹2,00,000 of spend a year.

Add a third card HDFC Millennia Airtel Axis Bank

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