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 / Lifetime Free
Rs. 500 + GST
₹1,000 + Applicable Taxes
Renewal Fee
NIL / Lifetime Free
Rs. 500 + GST from the 2nd year onwards
₹1,000 + Applicable Taxes
Spend Based Waiver
Lifetime free, so no annual fee waiver conditions apply.
Annual fee waived on annual spends greater than Rs. 3,50,000 (excluding rent/wallet loads).
Renewal fee waived off on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees
3.5% of the total transacted amount.
3.5% on foreign currency transactions; 1.5% for Dynamic Currency Conversion transactions.
3.5% + GST markup on all international transactions.
Interest Rate (APR)
3.75% per month (45% p.a.) on ATM withdrawals & outstanding balances.
3.75% per month (55.55% per annum) on retail purchases and cash advances.
3.75% per month (45% annually) on outstanding balances.
Rewards & Benefits
Welcome Bonus
Cashback discounts up to ₹2,500 and one-month EazyDiner membership for Prime/non-Prime.
Total activation benefits worth Rs. 350, including a Rs. 250 Flipkart voucher and a 50% Swiggy discount.
Get 1,000 bonus CashPoints on joining fee realization or points equivalent to Membership Fee.
Rewards Rate
Up to 5% on Amazon (Prime), 3% (non-Prime); 2% on partners; 1% on other eligible spends.
Earn 7.5% on Myntra, 5% on Flipkart/Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, 1% elsewhere.
Earn 5% cashback on top online merchants, and 1% cashback on other online/offline spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
Nil
Nil.
₹50 + GST for cash redemption, ₹99 + GST for other redemptions (travel/catalogue).
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Removed as of June 2025.
Option for Dreamfolks airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Not Applicable
Removed as of June 2025.
Not Applicable
Travel Benefits
Cashback on flight and hotel bookings via Amazon, up to 5% for Prime members.
5% cashback on Cleartrip, 4% cashback on Uber, and discounts on flights/hotels via MakeMyTrip.
Get 5% cashback on Uber. Redeem CashPoints for flights/hotels, plus opt for lounge access voucher.
Movie Benefits
Not Applicable
Accelerated 4% cashback on PVR movie tickets, plus 10% off up to Rs. 1000 on Tira.
Earn 5% cashback on spends at BookMyShow and Sony LIV platforms.
Dining Benefits
Minimum 15% discount on dining bills at restaurants participating in Culinary Treats Programme.
Up to 15% off (max Rs. 500) at 10,000+ partner restaurants via Axis Bank Dining Delights.
Enjoy exclusive dining benefits via Good Food Trail & up to 20% off on Swiggy Dineout.
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 transactions between Rs. 400-4,000, capped at Rs. 400 per month.
1% waiver on fuel transactions (₹400-₹5,000), max ₹250 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Does not offer benefits like air accident cover or luggage protection as of June 2025.
Zero Lost Card Liability protection ensures security against fraudulent transactions.
Cash Advance Charges
2.5% of withdrawn amount, minimum of ₹500.
2.5% of the cash amount, with a minimum of Rs. 500.
2.5% of transaction amount, minimum ₹500 fee.