Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Ixigo AU Credit Card vs HDFC Millennia Credit Card for ₹150,000 Monthly Spend
Comparing Ixigo AU Credit Card vs HDFC Millennia Credit Card at ₹150,000/month. Ixigo AU Credit Card wins, delivering ₹30,075 net annual value (1.67% ROI) vs ₹17,760 for HDFC Millennia Credit Card.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹1,50,000(₹18,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,50,000/mo+ ₹12,315/yr Higher Value
Ixigo AU Credit Card
Delivers ₹30,075 net annual returns (1.67% ROI) vs ₹17,760 on HDFC Millennia Credit Card.
Card A
Ixigo AU Credit Card
AU Small Finance Bank
₹30,075Net Annual Benefit
Gross Rewards:₹30,075/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.67%
⚠️ Hits monthly cashback caps: -₹750/yr lost
Card B
HDFC Millennia Credit Card
HDFC Bank
₹17,760Net Annual Benefit
Gross Rewards:₹17,760/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.99%
Fee Waiver Progress (1L target):100%
⚠️ Hits monthly cashback caps: -₹37,500/yr lost
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹1,500/year Extra YieldPair Ixigo AU Credit Card + SBI Cashback Credit Card
Pair Ixigo AU Credit Card with SBI Cashback Credit Card to capture up to ₹1,500/yr extra on zero-reward categories.
Routes excluded categories:Amazon, Flipkart & Myntra Shopping (Excess Spends)Swiggy, Zomato & Dining Out (Excess Spends)Blinkit, Zepto, Instamart & Supermarkets (Excess Spends)Flights, Hotels & IRCTC Trains (Excess Spends)
Detailed 12-Category Rupee Breakdown (@ ₹1,50,000/mo)
| Spend Category | Monthly Spend | Ixigo AU Credit Card | HDFC Millennia Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹37,500/mo | ₹909 (Capped) | ₹308 (Capped) |
| Scan & Pay Merchant UPI | ₹22,500/mo | ₹281 (1.25%) | ₹225 (1%) |
| Electricity, Water, Gas & Broadband Bills | ₹18,000/mo | ₹225 (1.25%) | ₹180 (1%) |
| Swiggy, Zomato & Dining Out | ₹18,000/mo | ₹436 (Capped) | ₹277 (Capped) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹15,000/mo | ₹364 (Capped) | ₹231 (Capped) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150/cycle | ₹12,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹12,000/mo | ₹291 (Capped) | ₹185 (Capped) |
| LIC, Health & Term Insurance Premiums | ₹7,500/mo | 0% Excluded | ₹75 (1%) |
| House Rent & School/College FeesRent and educational payments are excluded from reward points accrual | ₹7,500/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 | ₹18,00,000/yr | +₹30,075 | +₹17,760 |
Frequently Asked Questions
Which card is better between Ixigo AU Credit Card and HDFC Millennia Credit Card for ₹150,000/month?▼
At ₹150,000/month (₹1,800,000/year), Ixigo AU Credit Card mathematically outperforms HDFC Millennia Credit Card by ₹12,315/year. Ixigo AU Credit Card delivers ₹30,075 net annual benefit (1.67% effective yield), while HDFC Millennia Credit Card returns ₹17,760 (0.99% effective yield).
Will the annual fee be waived at ₹150,000 monthly spend?▼
On an annual spend of ₹1,800,000: 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 ₹750/year to monthly cashback caps, while HDFC Millennia Credit Card loses ₹37,500/year. Capped categories on Ixigo AU Credit Card: Amazon, Flipkart & Myntra Shopping, Swiggy, Zomato & Dining Out, Blinkit, Zepto, Instamart & Supermarkets, Flights, Hotels & IRCTC Trains. Capped categories on HDFC Millennia Credit Card: Amazon, Flipkart & Myntra Shopping, Swiggy, Zomato & Dining Out, Blinkit, Zepto, Instamart & Supermarkets, Flights, Hotels & IRCTC Trains.
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.