My Business Credit Card – Axis Bank vs HDFC Millennia Credit Card
Joining Fees
₹999
₹1,000
Editor's Rating
4.3
4
Key Features
- On any transaction over RS. 2,500, convert purchases to EMI
- Use My Business Credit card to withdraw cash unto 30% of your credit limit from over 1 million Visa ATMs
- Initiate a simple Standing Instruction on your credit card to ensure utility bills are paid on time every month
- Avail two Complimentary Airport Lounge visit within India every quarter
- 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
Editor's Review
Pros
- 1% fuel surcharge waiver on all fuel transactions in India
- Low joining and renewable fees
- Earn eEDGE REWARD points for transactions and 500+ rewards and offers to redeem points with every Rs. 200 spent on the credit card
Cons
- No complimentary Golf/coaching sessions
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
