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Side-by-Side Comparison|Updated March 2026

HDFC Bank Millennia Credit Card vs Axis Bank Select Credit Card

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

HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Millennia Credit CardAxis Bank Select Credit Card
Annual Fee₹1,000₹3,000
Joining Fee₹1,000₹3,000
Fee Waiver Spend₹1,00,000₹8,00,000
Base Reward Rate1%0.2%
Reward CurrencyCashPointsEDGE Reward Points
NetworkVisaVisa
Editor Rating8.5/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

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

Axis Bank Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Our Verdict

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

Choose HDFC Bank Millennia Credit Card if

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

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Frequently Asked Questions

Which is better: HDFC Bank Millennia Credit Card or Axis Bank Select Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Select Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Millennia Credit Card and Axis Bank Select Credit Card?
HDFC Bank Millennia Credit Card has an annual fee of ₹1,000, while Axis Bank Select Credit Card has an annual fee of ₹3,000. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: HDFC Bank Millennia Credit Card or Axis Bank Select Credit Card?
HDFC Bank Millennia Credit Card offers a base reward rate of 1% with accelerated rewards on Special Rate. Axis Bank Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Millennia Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Millennia Credit Card and Axis Bank Select Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Millennia Credit Card or Axis Bank Select Credit Card?
For beginners, HDFC Bank Millennia Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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