AU Ixigo Credit Card vs HDFC Millennia
Detailed comparison of these two popular credit cards
Winner
AU Ixigo Credit Card
AU Small Finance Bank
EntryVS
HDFC Millennia
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
FREE vs ₹1K
Effective Rate
(cash value)
1.3% vs 1.0%
Lounge Access
8/year vs 8/year
Detailed Comparison
| Feature | AU Ixigo Credit Card | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹1K |
| Annual Fee | FREE | ₹1K |
| Fee Waiver | None | Spend ₹1L annually |
| Forex Markup | 0% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 1.25% | 1% |
Lounge Access | ||
| Domestic Lounges | 8/year | 8/year |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹6.0L |
AU Ixigo Credit Card is Best For
Budget travelers (if grandfathered on zero forex)
Watch Out
- • Zero forex removed for new cardholders
- • Lounge now requires ₹20K/quarter spend
- • International rewards removed Dec 2024
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
Our Verdict
Based on overall features and value,
AU Ixigo Credit Card wins!
Score: 50vsScore: 34
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