Axis My Zone Credit Card vs HDFC Millennia Credit Card

• With MyZone Credit Card, purchase one movie ticket and get a 100% discount on the second movie ticket at Paytm Movies. The maximum discount one can get in a calendar month is Rs. 200
• Get 40% discount on food delivery at Swiggy
• Get flat Rs. 600 off at Ajio on a minimum spend of Rs. 2,000
• Earn 4 EDGE REWARD Points with every Rs. 200 spent on the credit card
• Get a complimentary SonyLiv Premium annual subscription that is worth Rs. 999 on the first spend within the first 30 days of card issuance. Customers are eligible for the SonyLiv Premium membership renewal when they spend Rs. 1.5 lakh in a card anniversary year

• You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee
• Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year
• Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month
• Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000)
• 2.5% CashBack on all online spends
• 1% CashBack on all offline spends and Wallet reloads
• 8 Complimentary Domestic Lounge Access per calendar year
• Complimentary Domestic Airport Lounge access annually
• Experience the Good Food Trail Dining program at premium restaurants across top cities.
• 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle) 
• Enjoy up to 50 days of the interest-free period from the date of purchase 
• If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

Please note: The CashBack will be given in the form of CashPoints

• The redemption against the statement balance: 1 CashPoint = Rs. 1
• Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30
• Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30

Pros

• Get flat Rs. 600 off at Ajio on a minimum spend of Rs. 2,000
• 1 Complimentary Airport Lounge Access
• Get 40% discount on food delivery at Swiggy

Cons

• No Golf/coaching sessions
• High-interest rate

Pros

• Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program
• The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
• Revolving Credit is available at a nominal interest rate

Cons

• No golf/coaching sessions
• The Cash Points are only valid for 1 year from the date of accumulation 
• Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum