Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank Credit Card vs HDFC Bank Millennia Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Lifetime Free
Rs. 500 + GST
₹1,000 + GST
Renewal Fee
Lifetime Free
Rs. 500 + GST
₹1,000 + GST
Spend Based Waiver
Annual fee waived on spends of Rs. 3.5 lakhs
The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Foreign Transaction Fees
3.50%
3.5% of the total amount
3.5% + GST
Interest Rate (APR)
3.75% Per Month (45% Per Annum)
3.75% Per Month (55.55% annually)
3.75% Per Month (45% Annually)
Rewards & Benefits
Welcome Bonus
Cashback and Discounts Up to ₹2,500 (Both for Prime and Non-Prime Members) and One Month EazyDiner Membership
Introductory Benefits Worth Rs. 600 on Card Issuance
1,000 CashPoints
Rewards Rate
5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
5% cashback on Flipkart, 4% cashback on preferred partners (Swiggy, Uber, PVR, and cult.fit), and 1% cashback on all other spends.
5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
Nil
₹50 + GST Per Cash Redemption Request. ₹99 + GST for Other Redemptions
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
1 Free Domestic Airport Lounge Access Every Quarter (4 Each Year)
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Accelerated Cashback (4%) on Uber Rides
Not Applicable
Dining & Movie Benefits
A minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program
Up to 15% off at partner restaurants under Axis Bank's exclusive Dining Delights program
Flat ₹200 Discount on Swiggy Dineout (Minimum Order Value ₹2,000). Valid Twice Each Month
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge is waived at all petrol stations across India.
1% surcharge for fuel purchases between Rs. 400 & Rs. 4,000 (max waiver capped at Rs. 400/month).
A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the Withdrawn Amount (Subject to a Minimum of ₹500)
2.5% (Min. Rs. 500) of the withdrawn amount.
2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.