Axis Ace vs HDFC Millennia
Axis Ace or HDFC Millennia?
HDFC Millennia is tailored for e-commerce with 5% rewards on top merchants, whereas Axis Ace is a utility and offline powerhouse offering 5% on Google Pay bills and 2% flat elsewhere.
HDFC Millennia is tailored for e-commerce with 5% rewards on top merchants, whereas Axis Ace is a utility and offline powerhouse offering 5% on Google Pay bills and 2% flat elsewhere.
Table of Contents
1. Quick Look
2. Head-to-Head Comparison Table
| Feature | Axis Ace | HDFC Millennia |
|---|---|---|
| Annual Fee | ₹499 + GST (Waived on ₹2 Lakh spend) | ₹1,000 + GST (Waived on ₹1 Lakh spend) |
| Best For | Utility Bills & Flat Cashback | All-Rounder Cashback |
| Cashback / Rewards | 5% on Google Pay bills/recharges, 4% Swiggy/Zomato/Ola, 2% flat on all other spends | 5% on Amazon, Flipkart, Swiggy, Zomato, Myntra. 1% on offline. |
| Lounge Access | 4 domestic visits per year | 4 complimentary domestic visits per year (1 per quarter) |
| EMI Options | Available on purchases above ₹2,500 | SmartEMI available on purchases above ₹2,500 |
| Welcome Offer | N/A | 1000 CashPoints (equivalent to ₹1000) |
3. Category Winners
| Best for Cashback | 🏆 HDFC Millennia |
| Best for Rewards | 🏆 HDFC Millennia |
| Best for Lounge Access | 🤝 TIE |
| Best for Low Fees | 🏆 Axis Ace |
| Best for Beginners | 🏆 Axis Ace |
4. Final Verdict: Which Card Should You Choose?
5. People Also Ask & FAQs
People Also Ask
Is Millennia or Ace better for beginners?
Axis Ace is slightly better for absolute beginners due to its lower fee and simpler reward structure.
Can I pay my electricity bill with Millennia?
Yes, but it won't earn 5% like Axis Ace does via Google Pay.
Comparison FAQs
Which card gives direct cashback?
Axis Ace gives direct statement credit. Millennia gives CashPoints.
Which card is better for Amazon?
Millennia offers 5% on Amazon, making it superior to Ace's 2%.
Do both cards offer Swiggy discounts?
Yes, both have partnerships with Swiggy/Zomato for food delivery discounts.
What is the fee difference?
Millennia charges ₹1,000, while Ace charges ₹499.
Which card is easier to get approved?
Both have similar strict underwriting, requiring a good CIBIL score.
Can I use Axis Ace for rent payments?
Rent payments are generally excluded from earning the 2% cashback.
Does Millennia offer a milestone bonus?
Yes, you get a ₹1,000 voucher on spending ₹1 Lakh per quarter.
Which card has better foreign exchange rates?
Both charge a standard 3.5% markup fee on international transactions.
✓ Verified by CreditConnects Editorial Team
📅 Last Updated: July 2026
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✅ Fact Checked
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📋 Independent Review
Our editorial team verifies all card terms directly against official bank MITC documents and RBI circulars before publishing. We update this page whenever terms change.
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Trust Indicators
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Sources: Official Bank MITC | RBI Circulars (2025/26) | Visa / Mastercard / RuPay Network Guidelines
