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Samsung Axis Bank vs HDFC Millennia

Both cards compared on real rupee returns for best shopping credit card India Samsung Axis vs HDFC Millennia. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AXIS
SIGNATURE
ASHOK KUMAR
VS
HDFC
MILLENNIA
ASHOK KUMAR
Our verdict
Samsung Axis Bank Signature Credit Card wins for most people
Card A delivers nearly double the annual benefit (₹3,724 vs ₹1,940) despite a slightly higher fee. Its 10% cashback on Samsung products and 5% on partner brands significantly outperforms Card B's capped 2.5% online cashback for this spend profile.
Side-by-side comparison
Samsung Axis Bank Signature Credit Card ✓ HDFC Millennia Credit Card
Annual benefit ₹3,724 ₹1,940
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹2,00,000/year spend) ₹1,000 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10% cashback on Samsung products (physical stores, eStore, app, service centres, Amazon Samsung purchases); 5% on partner brands; 4 EDGE points/₹200 base (0.4%) 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter) 8 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Samsung loyalists buying electronics, phones and appliances at Samsung stores or online Everyday online shopping with a modest, capped cashback
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹3.5L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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Apply now ↗ Full review →
When each card wins
Samsung Axis Bank Signature Credit Card
Choose Card A if you regularly purchase from Samsung or its partner brands, or shop at electronics retailers offering partner discounts. The fee waives at ₹2L annual spend, making it excellent for tech-focused shoppers.
HDFC Millennia Credit Card
Card B suits minimalist spenders focused purely on casual online shopping with no specific brand loyalty. Best if you spend under ₹1L annually and want simplicity over optimized rewards.
Who should get which card
Get Samsung Axis Bank Signature if you…
· Samsung product buyers and electronics enthusiasts
· Shopping-heavy spenders (₹7,000/month in your profile)
· Those who can waive the ₹500 fee via annual spend threshold
· Customers seeking 5% on partner brand purchases
Get HDFC Millennia if you…
· Low-spend online-only shoppers
· Those uncomfortable with Samsung ecosystem
· Budget-conscious users avoiding annual fees
· Occasional spenders below ₹1L annually
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Samsung Axis Bank Signature Credit Card offers better annual returns for most spend profiles.
Samsung Axis Bank Signature Credit Card has an annual fee of ₹500 + taxes (waived on ₹2,00,000/year spend). HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend).
Samsung Axis Bank Signature Credit Card offers 10% cashback on Samsung products (physical stores, eStore, app, service centres, Amazon Samsung purchases); 5% on partner brands; 4 EDGE points/₹200 base (0.4%). HDFC Millennia Credit Card offers 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping.
Samsung Axis Bank Signature Credit Card lounge access: 4 domestic visits/year (1 per quarter). HDFC Millennia Credit Card lounge access: 8 visits/year (domestic).
Samsung Axis Bank Signature Credit Card charges 3.5% forex markup. HDFC Millennia Credit Card charges 3.5% forex markup.