All credit cardsRates verified 26 Jul 2026Rates verified 26 Jul 2026
Axis Bank ACE vs HDFC Millennia
Quick answer
Axis Bank ACE wins this comparison on 2 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
Axis Bank
Axis Bank ACE
Visa
HDFC Bank
HDFC Millennia
Visa · Mastercard
Our pick
Axis Bank ACE edges it for most people.
It wins on 2 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | Axis Bank ACE | HDFC Millennia |
|---|---|---|
| Annual fee | ₹499 ✓ | ₹1,000 |
| Top reward rate | 5% | 5% |
| Lounge visits/yr | 4 | 4 (gated) |
| Forex markup | 4% | 4% |
| APR (per year) | 45% | 45% |
| Min income/mo | ₹25,000 ✓ | ₹30,000 |
No paid placement. Approval and final terms come from the issuer's key fact statement.
Common questions
- Which is better: Axis Bank ACE or HDFC Millennia?
- Axis Bank ACE edges this MoneyRadar comparison because it wins more of the fee, reward, lounge, forex and APR checks. Still choose the card that matches your biggest spend category.
- How should I choose between Axis Bank ACE and HDFC Millennia?
- Start with annual fee and fee waiver, then compare rewards on your top two spend categories, lounge access only if you actually travel, and forex markup if you spend internationally.
- Should I carry a balance on either credit card?
- No. Axis Bank ACE and HDFC Millennia both charge high credit-card APRs when you revolve a balance. Pay the full bill monthly; interest can wipe out rewards many times over.