Axis ACE Credit Card vs HDFC Millennia Credit Card: Which Is Better in 2026?
Winner: Axis ACE Credit Card
Axis ACE wins with 5% cashback on Google Pay bill payments and 4% on food delivery. HDFC Millennia offers broader 5% cashback on Amazon/Flipkart/Myntra but lower rates on bills.
Quick Comparison
| Feature | Axis ACE Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Point Value | 5% cashback on bill payments (Google Pay) | ₹1 per point (5% cashback) |
| Expiry Period | Not applicable (direct cashback) | 2 years |
| Redemption Options | 1 options | 4 options |
| Bank | Axis Bank | HDFC Bank |
Axis ACE Credit Card — Key Strengths
5% cashback on bill payments via Google Pay (up to ₹750/month), 4% on Swiggy/Zomato, 2% on other spends. Annual fee ₹499, waiver on ₹2 lakh spend.
- ✓5% on Google Pay bill payments is market-leading
- ✓4% on food delivery (Swiggy/Zomato) is excellent
- ✓Pay all utility bills via Google Pay for maximum cashback
HDFC Millennia Credit Card — Key Strengths
5% cashback on partner merchants (Amazon, Flipkart, Myntra, Swiggy, Uber, Zomato, etc.), 1% on all other spends. 1 CashPoint = ₹1 statement credit. Capped at 1000 cashpoints per category per cycle
- ✓Use exclusively on 5% partner merchants for maximum cashback
- ✓Redeem points monthly as statement credit to avoid expiry
- ✓Quarterly milestone vouchers worth ₹1000 after ₹1L spend per quarter
Our Verdict
Axis ACE wins with 5% cashback on Google Pay bill payments and 4% on food delivery. HDFC Millennia offers broader 5% cashback on Amazon/Flipkart/Myntra but lower rates on bills.
Frequently Asked Questions
Is Axis ACE Credit Card or HDFC Millennia Credit Card better in 2026?
Axis ACE wins with 5% cashback on Google Pay bill payments and 4% on food delivery. HDFC Millennia offers broader 5% cashback on Amazon/Flipkart/Myntra but lower rates on bills.
Which card has better point value: Axis ACE Credit Card or HDFC Millennia Credit Card?
Axis ACE Credit Card offers 5% cashback on bill payments (Google Pay). HDFC Millennia Credit Card offers ₹1 per point (5% cashback). The better value depends on your redemption method.
Which card has longer point expiry?
Axis ACE Credit Card: Not applicable (direct cashback). HDFC Millennia Credit Card: 2 years. Choose the card with the expiry policy that suits your spending pattern.
Can I have both Axis ACE Credit Card and HDFC Millennia Credit Card?
Yes, you can hold both cards simultaneously. Many rewards enthusiasts hold multiple cards to maximize earnings across different spending categories.