HDFC Bank
ReviewedHDFC Bank Millennia
5% cashback across ten popular online brands with a fee most users waive on spend.
5% on select merchantsLounge access
Annual fee
₹1,000 + GST
Axis Bank · Mastercard
Axis Bank Rewards (ex-Citi)
Migrated Citi Rewards card, still one of the better apparel and department store earners.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹1,000 + GST, renewal ₹1,000 + GST.
- Annual fee waives once you spend ₹30,000 in a card year.
- Headline earn rate: 10x on apparel & department stores.
- No complimentary airport lounge access on this card.
Also worth comparing for ex-citi portfolio
Axis Bank
Data verifiedAxis Bank SELECT
BigBasket and Swiggy vouchers each month with domestic and international lounge visits.
10 EDGE points per ₹200Lounge access
Annual fee
₹3,000 + GST
Axis Bank
Data verifiedAxis Bank Rewards Card
Accelerated points on apparel, departmental stores and jewellery spend.
10 EDGE points per ₹200Lounge access
Annual fee
₹1,000 + GST
Ready to apply for the Axis Bank Rewards (ex-Citi)?
Takes under a minute. We hand you off to Axis Bank's official secure application — no middlemen, no data resold.