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Side-by-Side Comparison|Updated March 2026

Axis Bank Platinum Credit Card vs HDFC Bank Millennia Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
NetworkVisa
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HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Platinum Credit CardHDFC Bank Millennia Credit Card
Annual Fee₹500₹1,000
Joining Fee₹500₹1,000
Fee Waiver Spend₹1,00,000₹1,00,000
Base Reward Rate0.6000000000000001%1%
Reward CurrencyEDGE REWARD PointsCashPoints
NetworkVisaVisa
Editor Rating6/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

Axis Bank Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

HDFC Bank Millennia Credit Card

Pros

  • 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
  • 1:1 redemption ratio for CashPoints against statement credit
  • Achievable annual fee waiver at ₹1 Lakh annual spend
  • 1,000 CashPoints welcome benefit effectively offsets the joining fee

Cons

  • Monthly cashback capped at ₹1,000 for the 5% category
  • Lounge access is now spend-based (₹1 Lakh per quarter)
  • Excludes rent, fuel, and government transactions from rewards

Our Verdict

HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

Choose HDFC Bank Millennia Credit Card if

High 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.

Frequently Asked Questions

Which is better: Axis Bank Platinum Credit Card or HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Platinum Credit Card and HDFC Bank Millennia Credit Card?
Axis Bank Platinum Credit Card has an annual fee of ₹500, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Platinum Credit Card or HDFC Bank Millennia Credit Card?
Axis Bank Platinum Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on International Spends and Birthday Month. HDFC Bank Millennia Credit Card offers 1% base rewards with bonuses on Special Rate. The better choice depends on your primary spending categories.
Can I have both Axis Bank Platinum Credit Card and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Platinum Credit Card and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Platinum Credit Card or HDFC Bank Millennia Credit Card?
For beginners, Axis Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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