Airtel Axis Bank Credit Card vs HDFC Millennia Credit Card
Last Updated : March 12, 2025, 3:46 p.m.
Selecting a credit card that matches your spending habits and financial goals perfectly can be challenging. The Airtel Axis credit card and HDFC Millennia credit card are two of the most talked about credit cards. The HDFC Millennia credit card is curated for the digital age providing benefits across varied categories like online shopping, dining, and travel. The Airtel Axis Bank credit card is no less valuable. It is a card that rewards you on every spend. Whether you use it for bill payments, traveling, dining, groceries, mobile recharges, and any spend, you will get cashback. So, which card to choose now? Of course! This depends on your spending preferences and lifestyle. However, you need to understand both the cards in detail and compare them before going in for one. Let us read on to do that. Also, do a CIBIL score check for free on Wishfin before applying since it is one of the most important eligibility criteria set forth by credit card issuers.
Airtel Axis Vs HDFC Millennia Credit Cards - Comparison
The credit cards are compared as below:
| Parameter | Airtel Axis Bank Credit Card | HDFC Millennia Credit Card |
|---|---|---|
Joining fees |
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Renewal fee waiver |
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Welcome benefit |
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Cashback |
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Milestone spends | - |
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Dining benefits |
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Lounge access |
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Fuel surcharge |
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Additional benefits |
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Which Card to Choose?
So, let us now see which card to choose? As already specified, this depends entirely on your lifestyle, spending preferences, etc.
Choose the Airtel Axis Bank credit card if
- You are already on the Airtel ecosystem or are planning to join
- You are looking to save on the category of utility bill payments and you decide to pay through the Airtel Thanks App
- If you use popular daily brands like Zomato, Swiggy, BigBasket, etc. as the card provides exclusive benefits on these.
- You want a card with low annual fees.
- You also want to avail benefits like dining discounts, complimentary airport lounge access, etc., which the card provides hence becoming a worthy competitor to cashback cards as well.
Choose the HDFC Millennia Credit Card if
- You spend mostly online
- You are able to reach threshold spends of Rs. 1 lakh every quarter in order to avail milestone perks.
- You have multiple brand preferences
- You are looking for multiple redemption options with a good redemption value (HDFC Millennia has a redemption value of up to 1:1)
Frequently Asked Questions (FAQs)
