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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.

Features

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

Fees & Charges

Joining Fee
Nil
₹500 + GST
₹1,000 + GST
Renewal Fee
Nil
₹500 + GST
₹1,000 + GST
Spend Based Waiver
Not Applicable
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees
1.99%
3.5% of transaction value; 1.5% for DCC.
3.5% + GST on international spends.
Interest Rate (APR)
3.75% per month (45% per annum)
3.75% per month (55.55% per annum).
3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus
Perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers.
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Receive 1,000 bonus CashPoints upon successful realization of the joining fee.
Rewards Rate
5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends.
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
Earn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
NIL
No charges for cashback redemption.
₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not offered as of 20th June 2025.
Complimentary airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Not Applicable
Not offered as of 20th June 2025.
Not Applicable
Travel Benefits
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Redeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Movie Benefits
Not Applicable
Unlimited 4% cashback on PVR movie ticket bookings.
5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Dining Benefits
Minimum 15% discount at participating restaurants through the ICICI Culinary Treats program.
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for all fuel purchases across India for transactions up to ₹4,000.
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
None explicitly offered.
Zero liability on fraudulent transactions if lost card is reported immediately.
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500) plus 3.75% monthly interest.
2.5% of amount (minimum Rs. 500).
2.5% of transaction amount, minimum fee of ₹500.

Amazon Pay ICICI Bank Credit Card

Flipkart Axis Bank Credit Card

HDFC Bank Millennia Credit Card

Who is it for?

Who is it for?

Who is it for?

Pros

Key benefits and features.

A lifetime-free credit card with no joining or annual maintenance fees for cardholders.

Offers a high reward rate of 5% for Prime members on all eligible Amazon.in purchases.

Cashback is automatically credited as Amazon Pay balance with no manual redemption required.

Rewards never expire and there is no maximum capping on the total cashback you can earn.

Competitive foreign currency markup of only 1.99% compared to the standard market rates.

Pros

Key benefits and features.

Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.

Cashback is directly credited to your statement, simplifying the redemption process.

Enjoy unlimited cashback on preferred partners and most other eligible card spends.

Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.

Provides a beneficial 1% fuel surcharge waiver at all stations across India.

Pros

Key benefits and features.

High 5% cashback on popular partner merchants including Myntra, Amazon.

Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.

Provides substantial savings for digital-savvy consumers on daily spends.

Cons

Key drawbacks and limitations.

Benefits on other platforms or offline transactions are limited to a basic 1% reward rate.

Lacks premium lifestyle features like airport lounge access, golf perks, or movie deals.

The reward rate for Non-Prime members is significantly lower at 3% compared to Prime users.

No cashback is earned on fuel, rent, gold, EMI transactions, or international payments.

Cons

Key drawbacks and limitations.

Offers relatively low 1% cashback on most offline shopping and general spends.

The card currently does not provide any complimentary insurance benefits to cardholders.

High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.

Welcome benefits for new cardholders have seen a reduction from previous offers.

Reports suggest some users face challenges with voucher redemption and card cancellations.

Cons

Key drawbacks and limitations.

Earns a lower 1% cashback on offline/online spends at non-partner merchants.

Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.

A minimum of 500 CashPoints are required to redeem against statement balance.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.