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ACE vs Millennia – Full comparison

Verified with issuer

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Verified with issuer

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Standard view

Spend context

At ₹50k/month spend:

Millennia: ~₹1,000/month at base rate
ACE: ~₹750/month at base rate

Approximate, based on base rates (before caps).

	ACE AXIS	Millennia HDFC
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year vs None	4/year	None
Forex / International Use
Forex markup 3.5% vs 2%	3.5%	2%
Fees
Annual fee ₹499 vs ₹1,000	₹499	₹1,000
Joining fee ₹499 vs ₹1,000	₹499	₹1,000
Fee waiver spend ₹2,00,000 vs ₹1,00,000	₹2,00,000	₹1,00,000
Rewards
Reward points (base spend) 1.5 pts/₹100 vs 3 pts/₹150	1.5 pts/₹100	3 pts/₹150
Point cash value	₹1	₹1

Notes

Axis Bank ACE Credit Card: Programme rules and spend conditions may apply — verify with Axis
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.