HDFC Millennia vs Axis Neo Credit Card: Best Card for Millennials and Online Spenders

If you’re a young professional who loves online shopping, food delivery, and entertainment, both HDFC Millennia Credit Card and Axis Bank Neo Credit Card offer great rewards for your lifestyle. Let’s break down their features and find out which one suits you better.

Feature Comparison

Feature HDFC Millennia Credit Card Axis Bank Neo Credit Card

Annual Fee

₹1,000 (waived on spends above ₹1 lakh/year)

₹250 (waived on spends above ₹2.5 lakh/year)

Cashback / Reward Rate

5% on Amazon, Flipkart, Zomato, Swiggy, BookMyShow

5% on Amazon, Flipkart, Myntra

Rewards on Other Spends

1% on all other online and offline spends

1% on all online spends

Welcome Benefits

₹1,000 worth of vouchers (Swiggy, Zomato, etc.)

₹250 Amazon voucher on activation

Lounge Access

8 complimentary domestic airport lounge visits per year

4 complimentary lounge visits per year

Fuel Surcharge Waiver

1% on transactions between ₹400–₹5,000

1% on transactions between ₹400–₹4,000

Cashback Redemption

Redeemable as statement credit or vouchers

Cashback automatically adjusted in the statement

Key Differences

  • HDFC Millennia: Offers higher cashback categories and more lounge access — great for those with high monthly online spends.
  • Axis Neo: More affordable and perfect for beginners who want benefits on online shopping without a high annual fee.
  • Reward Structure: HDFC offers broader partner coverage, while Axis Neo provides simplicity with direct cashback.

Which Card Should You Choose?

  • Choose HDFC Millennia if you shop frequently online, travel occasionally, and want premium benefits like lounge access.
  • Choose Axis Neo if you’re new to credit cards, prefer a low annual fee, and mainly shop on Flipkart or Amazon.

Tips to Maximize Benefits

  1. Use HDFC Millennia for food delivery, OTT subscriptions, and e-commerce purchases to get maximum cashback.
  2. Use Axis Neo for monthly online shopping to earn easy, automatic cashback.
  3. Always pay your full balance on time to enjoy interest-free periods.

Track your spending to achieve annual fee waivers and maximize savings.

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