Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Ixigo AU Credit Card vs HDFC Millennia Credit Card for ₹15,000 Monthly Spend
Comparing Ixigo AU Credit Card vs HDFC Millennia Credit Card at ₹15,000/month. HDFC Millennia Credit Card wins, delivering ₹5,526 net annual value (3.07% ROI) vs ₹3,082 for Ixigo AU Credit Card.
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₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹2,443/yr Higher Value
HDFC Millennia Credit Card
Delivers ₹5,526 net annual returns (3.07% ROI) vs ₹3,083 on Ixigo AU Credit Card.
Card A
Ixigo AU Credit Card
AU Small Finance Bank
₹3,083Net Annual Benefit
Gross Rewards:₹3,083/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.71%
Card B
HDFC Millennia Credit Card
HDFC Bank
₹5,526Net Annual Benefit
Gross Rewards:₹5,526/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:3.07%
Fee Waiver Progress (1L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹1,800/year Extra YieldPair HDFC Millennia Credit Card + Airtel Axis Bank Credit Card
Pair HDFC Millennia Credit Card with Airtel Axis Bank Credit Card to capture up to ₹1,800/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | Ixigo AU Credit Card | HDFC Millennia Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹94 (2.5%) | ₹188 (5%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹28 (1.25%) | ₹23 (1%) |
| Electricity, Water, Gas & Broadband Bills | ₹1,800/mo | ₹23 (1.25%) | ₹18 (1%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹45 (2.5%) | ₹90 (5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹38 (2.5%) | ₹75 (5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150/cycle | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹30 (2.5%) | ₹60 (5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | 0% Excluded | ₹8 (1%) |
| House Rent & School/College FeesRent and educational payments are excluded from reward points accrual | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsZero 0% markup fee on foreign currency transactions; 1% dynamic currency conversion fee applies if settled in INR | ₹0/mo | ₹0 (1.25%) | ₹0 (1%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹1,80,000/yr | +₹3,082 | +₹5,526 |
Frequently Asked Questions
Which card is better between Ixigo AU Credit Card and HDFC Millennia Credit Card for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), HDFC Millennia Credit Card mathematically outperforms Ixigo AU Credit Card by ₹2,444/year. HDFC Millennia Credit Card delivers ₹5,526 net annual benefit (3.07% effective yield), while Ixigo AU Credit Card returns ₹3,082 (1.71% effective yield).
Will the annual fee be waived at ₹15,000 monthly spend?▼
On an annual spend of ₹180,000: Ixigo AU Credit Card annual fee is waived (₹0). HDFC Millennia Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Ixigo AU Credit Card loses ₹0/year to monthly cashback caps, while HDFC Millennia Credit Card loses ₹0/year. Ixigo AU Credit Card remains uncapped at this spend. HDFC Millennia Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Ixigo AU Credit Card and HDFC Millennia Credit Card?▼
The calculated crossover breakeven spend is ₹8,000/month, where higher-fee benefits overtake the lower-fee option.