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Cashback vs Millennia – Full comparison
Both cards verified with issuer
Cashback source Millennia sourceForex costs are a key difference
Key differences
Best forex Millennia 2%
Spend context
At ₹50k/month spend:
- Millennia: ~₹1,000/month at base rate
- Cashback: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Cashback AXIS | Millennia HDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No difference | None | None |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 2% | 3.5% | 2% |
| Fees | ||
| Annual fee No difference | ₹1,000 | ₹1,000 |
| Joining fee No difference | ₹1,000 | ₹1,000 |
| Fee waiver spend Only available for Millennia | Not clearly specified | ₹1,00,000 |
| Rewards | ||
| Points per ₹150 Only available for Millennia | Check issuer | 3 pts |
| Point cash value Only available for Millennia | Check issuer | ₹1 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.