{"id":7301,"date":"2026-04-13T18:15:00","date_gmt":"2026-04-13T12:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=7301"},"modified":"2026-04-13T14:50:45","modified_gmt":"2026-04-13T09:20:45","slug":"10k-monthly-spend-analysis-hdfc-millennia-credit-card-vs-axis-bank-ace-credit-card-which-card-offers-more-cashback","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/10k-monthly-spend-analysis-hdfc-millennia-credit-card-vs-axis-bank-ace-credit-card-which-card-offers-more-cashback\/","title":{"rendered":"\u20b910K Monthly Spend Analysis: HDFC Millennia Credit Card vs Axis Bank ACE Credit Card &#8211; Which Card Offers More Cashback?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>Confused between HDFC Millennia Credit Card and Axis Bank ACE Credit Card? This article will tell which provides better cashback on your actual spending habits; online shopping to utility bills. We have taken an example to show the cashback benefits of both the cards with monthly spends of \u20b910,<\/em>000.<\/p>\n<\/blockquote>\n\n\n\n<p>HDFC Millennia Credit Card and Axis Bank ACE Credit Card are two major credit cards that are associated with high cashbacks. They both are meant to suit the contemporary, online spender, but with slightly different spending patterns.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3185634568\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hdfc-millennia-credit-card\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/Q6Mr3U8\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Millennia Credit Card<\/a><\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b91,000 + taxes<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> \u20b91,000 + taxes (waived on annual spends of \u20b91,00,000 or more)<\/li>\n\n\n\n<li><strong>Forex Markup<\/strong>: 3.5% + GST.<\/li>\n\n\n\n<li><strong>Reward \/ Cashback Structure<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Welcome Benefit:<\/strong> 1,000 CashPoints when you pay the joining membership fee.<\/li>\n\n\n\n<li><strong>5% Cashback:<\/strong> On websites such as Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit (limited to 1,000 CashPoints per statement period)<\/li>\n\n\n\n<li><strong>1% Cashback:<\/strong> On all other eligible spends (limited to 1,000 cashpoints per cycle)<\/li>\n\n\n\n<li><strong>Flights\/Hotels via SmartBuy:<\/strong> 1 CashPoint = \u20b90.30 (up to 50% of booking value, capped at 50,000 points\/month)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Key Benefits<\/strong>\n<ul class=\"wp-block-list\">\n<li>10% additional cashback on Swiggy Dineout via SmartBuy\/PayZapp<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Annual fee waiver on \u20b91,00,000 yearly spending<\/li>\n\n\n\n<li>Quarterly milestone: \u20b91,000 voucher on \u20b91,00,000 spend<\/li>\n\n\n\n<li>1% fuel surcharge waiver (\u20b9400\u2013\u20b95,000 transactions, max \u20b9250\/month)<\/li>\n\n\n\n<li>Lounge access super milestone benefit (\u20b91 lakh quarterly spend; voucher or lounge access)<\/li>\n<\/ul>\n\n\n\n<p><strong>Best suited fo<\/strong>r those looking for an easy cashback credit card that does not require intricate reward monitoring. Regular online buyers of platforms such as Amazon, Swiggy or Zomato. Users with the ability to spend 1,00,000 every year so they do not have to pay the fee. The ones who are concentrated on cashback-saving as opposed to premium travel or luxury benefits.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/kotak-cashback-vs-kotak-league-platinum-one-card-gives-4x-more-value-cashback-or-reward-points-wins\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kotak Cashback+ vs Kotak League Platinum: One Card Gives 4X More Value &#8211; Cashback or Reward Points Wins?<\/a><\/p>\n<\/blockquote>\n\n\n<div id=\"footable_parent_7318\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"7318\" data-filter-delay=\"1000\" aria-label=\"HDFC Millenia CC - Sheet1.csv\"            id=\"footable_7318\"\n           data-unique_identifier=\"ninja_table_unique_id_83276353_7318\"\n           class=\" foo-table ninja_footable foo_table_7318 ninja_table_unique_id_83276353_7318 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n<div id=\"footable_parent_7320\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"7320\" data-filter-delay=\"1000\" aria-label=\"HDFC Millenia CC - Sheet1 (1).csv\"            id=\"footable_7320\"\n           data-unique_identifier=\"ninja_table_unique_id_1991755027_7320\"\n           class=\" foo-table ninja_footable foo_table_7320 ninja_table_unique_id_1991755027_7320 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/Q6Mr3U8\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1989959950\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-axis-bank-ace-credit-card\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/mXvWT4j\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Axis Bank ACE Credit Card<\/a><\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fee:<\/strong> 499 + GST (normally not charged in case of offers or partnering)<\/li>\n\n\n\n<li><strong>Fee Waiver:<\/strong> Annual fee waived on spending \u20b92,00,000 or more in the previous year<\/li>\n\n\n\n<li><strong>Forex markup:<\/strong> 3.5%<\/li>\n\n\n\n<li><strong>Reward \/ Cashback Structure<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>5% Cashback<\/strong> on utility payments, DTH, and mobile charges through Google Pay (Android only)<\/li>\n\n\n\n<li>4% Cashback on Swiggy, Zomato and Ola.<\/li>\n\n\n\n<li>1.5% Cashback on all other applicable online and offline purchases (no limit)<\/li>\n\n\n\n<li>\u20b9500\/month combined cap on 5% and 4% categories<\/li>\n\n\n\n<li>Exclusions: Cashback is not offered on fuel, EMI transactions, wallet loading, jewellery, insurance, education or rent.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Travel &amp; Lifestyle Benefits<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Domestic Lounge Access:<\/strong> 4 complimentary visits per year on \u20b950,000 spend in the previous 3 months required<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Dining Benefits:<\/strong> Up to 15% discount (max \u20b9500\/month) at partner restaurants via EazyDiner<\/li>\n\n\n\n<li><strong>Fuel Surcharge Waiver:<\/strong> 1% waiver between \u20b9400 and 4,000 (maximum of 500 per statement cycle)<\/li>\n\n\n\n<li><strong>Key Updates<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback on utility payments is limited to Google Pay (Android only)<\/li>\n\n\n\n<li>Payments via other apps or direct websites may not earn cashbacks<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Best suited for<\/strong> Google Pay (Android users) regular utility bill payers. Users who want to have easy, automatic cashback and not to keep track of reward points. Individuals who can enjoy 1.5% unlimited cash back on their monthly expenditures. Regular Swiggy, Zomato, and ride-hailing apps such as Ola customers.<\/li>\n<\/ul>\n\n\n<div id=\"footable_parent_7316\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_2\" data-footable_id=\"7316\" data-filter-delay=\"1000\" aria-label=\"Axis Ace CC - Sheet1.csv\"            id=\"footable_7316\"\n           data-unique_identifier=\"ninja_table_unique_id_377318877_7316\"\n           class=\" foo-table ninja_footable foo_table_7316 ninja_table_unique_id_377318877_7316 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n<div id=\"footable_parent_7317\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_3\" data-footable_id=\"7317\" data-filter-delay=\"1000\" aria-label=\"Axis Ace CC - Sheet1 (1).csv\"            id=\"footable_7317\"\n           data-unique_identifier=\"ninja_table_unique_id_3031165528_7317\"\n           class=\" foo-table ninja_footable foo_table_7317 ninja_table_unique_id_3031165528_7317 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/mXvWT4j\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3659905247\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The HDFC Millennia Credit Card and the Axis Bank ACE Credit Card both have good cashback benefits, but which is the most suitable in the end is depending on your spending behaviour. The HDFC Millennia card is perfect to use when one shops online and spends on apps, and the Axis ACE card is more suitable in terms of paying utility and daily fees with simple cashback.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Boyapati Sai Jasmitha<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Confused between HDFC Millennia Credit Card and Axis Bank ACE Credit Card? This article will tell which provides better cashback on your actual spending habits; online shopping to utility bills. We have taken an example to show the cashback benefits of both the cards with monthly spends of \u20b910,000. HDFC Millennia Credit Card and [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":7327,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[2573,2574],"ppma_author":[1013],"class_list":["post-7301","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-hdfc-millenia-cashback-benefits","tag-hdfc-millennia-credit-card-vs-axis-bank-ace-credit-card"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u20b910K Monthly Spend Analysis: HDFC Millennia Credit Card vs Axis Bank ACE Credit Card - Which Card Offers More Cashback?<\/title>\n<meta name=\"description\" content=\"Confused between HDFC Millennia Credit Card and Axis Bank ACE Credit Card? 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