What are the annual fees for Axis My Zone Credit Card and HDFC Bank Millennia Credit Card?

Axis My Zone Credit Card has ₹500 + GST. HDFC Bank Millennia Credit Card has ₹1,000 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Axis My Zone Credit Card earns about 0.4% on general spends; HDFC Bank Millennia Credit Card earns about 1%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Axis My Zone Credit Card: 3.5%. HDFC Bank Millennia Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Axis My Zone Credit Card: yes — see the lounge row above for limits. HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits.

Card Comparison

Axis My Zone vs HDFC Millennia

The key difference: 1% effective rate vs 0.4%. Axis My Zone vs HDFC Millenniacompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Axis My Zone

Axis Bank

Fee₹500+GST

Eff. rate0.4%

CapNone

Fee

₹500+GST

Eff. rate

0.4%

Cap

None

HDFC Bank Millennia

HDFC Bank

Fee₹1,000+GST

Eff. rate1%

Cap₹2,000

Fee

₹1,000+GST

Eff. rate

Cap

₹2,000

Quick take

How they compare

Axis My Zone and HDFC Millenniasuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Axis My Zone

Annual fee: ₹500 + GST
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap

HDFC Millennia

Annual fee: ₹1,000 + GST
Everyday rate: 1%
Monthly cap: ₹2,000/mo

Notable strengths

Bonus rewards on Amazon (up to 5%)
Direct cashback — nothing to redeem

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

57 specs · 13 sections

Axis My Zone

HDFC Bank Millennia

Feature

Axis My Zone

HDFC Bank Millennia

Annual Fee

₹500

₹1,000

Joining Fee

₹500

₹1,000

Fee Waiver Spend

N/A

₹1,00,000

Forex Markup

3.5%

Reward Type

Reward Points

Cashback

Base Rate

0.4%

Online Rate

—

Offline Rate

0.4%

Effective Base Rate

0.4%

Point Value

₹0.2

₹1

Redemption Quality

LOW

HIGH

Best Redemption

₹0.4

₹1

Worst Redemption

₹0.2

₹0.3

Amazon

—

Bookmyshow

—

Cultfit

—

Eazydiner

15%

—

Flipkart

—

Grocery / Supermarkets

0.4%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.4%

Flights, Hotels, OTAs, Tour Operators

0.4%

Other Retail / Catch-all

0.4%

Monthly Cap

No cap

₹2,000

Est. Annual Cap

No cap

₹24,000

Total Excluded

10 categories

5 categories

Cinema / Movie Theatres

Excluded

Earns rewards

Gold / Jewellery

Excluded

Earns rewards

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Excluded

Earns rewards

Education / School / College Fees

Excluded

Earns rewards

Domestic Visits/Year

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

Forex Markup

3.5%

Description

Free SonyLiv Premium annual subscription (issuer-quoted ₹1,499; SonyLiv direct subscriber price is ₹999, which is the realistic value) on first spend within 30 days of card issuance

1,000 CashPoints on payment of membership fee

Estimated Value

₹999

₹1,000

Fuel Surcharge Waiver

Yes

Best Suited For

Movies, Shopping, Food

Online Shopping, Everyday Spends

Min Income

Not specified

₹35,000/month

Income Proof

Required

Secured FD

Available

Accepting Applications

Yes

Network

Visa, Mastercard

Card Tier

Entry

Classic

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Frequently asked questions

What are the annual fees for Axis My Zone Credit Card and HDFC Bank Millennia Credit Card?: Axis My Zone Credit Card has ₹500 + GST. HDFC Bank Millennia Credit Card has ₹1,000 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Axis My Zone Credit Card earns about 0.4% on general spends; HDFC Bank Millennia Credit Card earns about 1%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Axis My Zone Credit Card: 3.5%. HDFC Bank Millennia Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Axis My Zone Credit Card: yes — see the lounge row above for limits. HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Axis My Zone · HDFC Bank - HDFC Millennia