Axis Reserve vs HDFC Millennia
Detailed comparison of these two popular credit cards
Winner
Axis Reserve
Axis Bank
Super PremiumVS
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
₹50K vs ₹1K
Effective Rate
(cash value)
6.3% vs 1.0%
Lounge Access
Unlimited vs 8/year
Detailed Comparison
| Feature | Axis Reserve | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹50K | ₹1K |
| Annual Fee | ₹50K | ₹1K |
| Fee Waiver | None | Spend ₹1L annually |
| Forex Markup | 1.5% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 6.25% | 1% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 8/year |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | - | ₹6.0L |
Axis Reserve is Best For
Ultra HNI invite-only customers
Watch Out
- • ₹50K annual fee
- • Invite-only
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,
Axis Reserve wins!
Score: 111vsScore: 34
