Axis Bank My Wings Credit Card vs HDFC Millennia Credit Card

• Redeem complimentary flight tickets: Redeem 2 complimentary base fare flight tickets     
• Dining Delights- Minimum 15% off on partner restaurants in India 
• On any transaction over Rs. 2,500 contact the bank and convert the big credit card purchase into EMIs
• This Credit card is an EMV certified chip credit card, hence you can spend securely 
• Complimentary Airport Lounge access within India 
• Avail up to 20% cashback on bare fare domestic flight bookings
• Avail Rs. 25 off when booking tickets with this Credit Card on IRCTC website. Max cashback is Rs. 25 per transaction and max annual benefits of Rs. 200 per cardholder 
• Avail hotel and holiday vouchers as described below:

• Worth Rs. 10,000

1. Rs. 500 cashback on booking any Domestic return air ticket 
2. Rs. 1,500 cashback on booking any International return air tickets

• Hotels:

1. Rs. 1,000 cashback on booking any hotels across India, Nepal and Bhutan on minimum booking value of Rs. 7,000
2. Rs. 1,500 cashback on International hotel bookings of Rs. 7,000 and above  

• Holidays:

1. Rs. 2,500 cashback on Domestic holidays worth Rs. 20,000 and above
2. Rs. 3,000 on booking any International holidays on minimum booking value of Rs. 20,000 and above

• Book bus tickets and get cashback: Rs. 100 on bus ticket bookings
• Rent cars in India and get cashback: Flat Rs. 400 per car booking or car rentals
• Fuel Transaction Surcharge Transaction: 1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
• EDGE REWARD points for transactions and 500+ rewards and offers to redeem points. Earn points for the following transactions: On every Rs. 200 spent on the credit card, earn 4 points 
• Surcharge on purchase or cancellation of Railway Tickets: As prescribed by IRCTC / Indian Railways

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

Pros

• Complimentary Airport Lounge access within India 
• Avail up to 20% cashback on bare fare domestic flight bookings
• Avail Rs. 25 off when booking tickets with this Credit Card on 

Cons

• No Golf Privileges 

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits