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
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% markup on international transactions.
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) on ATM withdrawals and if min. due paid.
3.75% per month (55.55% per annum).
3.75% per month (45% annually).
Rewards & Benefits
Welcome Bonus
Up to ₹2,500 in cashback and discounts for Prime/Non-Prime, plus 1-month EazyDiner membership.
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
Up to 5% cashback on Amazon, 2% on partners, 1% on others. Unlimited & non-expiring.
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 charges for redeeming reward points.
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
Up to 5% cashback on flights & hotels booked on Amazon (Prime members), 3% for others.
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 on dining bills at restaurants in the Culinary Treats Programme.
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 on fuel purchases up to ₹4,000 across India.
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 withdrawn amount, min. ₹500 charge.
2.5% of amount (minimum Rs. 500).
2.5% of transaction amount, minimum fee of ₹500.