HDFC Millennia vs Axis Vistara Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Millennia wins 5-0. Online shoppers spending ₹15K–50K/month Axis Vistara Signature is still the right call if domestic flyers (vistara was acquired by air india — points convert)..
Side-by-side
| Criterion | HDFC Millennia | Axis Vistara Signature |
|---|---|---|
| Annual fee | ₹1,000 | · ₹3,000 |
| Joining fee | ₹1,000 | · ₹3,000 |
| Top reward rate | = 5% (shopping) | = 5% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = Vistara Premium Economy ticket on joining |
| Fee waiver threshold | ₹100,000 / yr | · ₹750,000 / yr |
| Min income | ₹420,000 | · ₹600,000 |
| Min credit score | = 750 | = 750 |
| Editorial rating | 4.6/5 | · 4.2/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
Axis Vistara Signature
- 5 CV points per ₹200 on travel
- Premium Economy class ticket on joining
- Premium Economy class ticket on ₹4.5L spend
- 8 domestic lounge visits/year
- Club Vistara Silver tier on joining
FAQ
›HDFC Millennia vs Axis Vistara Signature: which is better?
HDFC Millennia wins on more dimensions (5 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, Axis Vistara Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. Axis Vistara Signature: Vistara Premium Economy ticket on joining.