Compare : HDFC Millennia Credit Card vs Axis Bank ACE Credit Card

Bonus 1,000 cash points on joining fee payment

NA

5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato

1% cashback up to 1,000 cash points/month on other spends

5% cashback on utility bill payments, DTH and mobile recharges via Google Pay

4% cashback on Swiggy, Zomato and Ola

1.5% cashback on all other spends

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

4 complimentary airport lounge visits per year, on spending Rs. 50,000 or more in the previous quarter

Up to 5% cashback on major lifestyle-related online spends

Bonus points worth the joining fee on activation

Multiple redemption options with redemption value of up to 1:1

Annual fee waiver condition is quite easily achievable

Accelerated cashback of 5% on recharges and utility bills payments - categories that are generally either excluded or come with base savings rate

Base cashback rate of 1.5% without any capping

Zero joining fee on applying via Paisabazaar

Easily achievable annual fee waiver condition, even for low spenders

Monthly capping on cashback earning

Low cashback rate for non-accelerated category

Exclusion of major everyday spends like utilities and rent from cashback earning

Lounge access benefit is optional and spend-based

Monthly capping on incremental cashback earnings

Quarterly spend-based condition applicable on complimentary access to domestic airport lounges

Those who frequently spend online across partner brands.

People who want to earn substantial value-back on bill payments & recharges, and also frequently order food online