Cashback SBI 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
₹999 + GST
₹500 + GST
₹1,000 + GST
Renewal Fee
₹999 + GST
₹500 + GST
₹1,000 + GST
Spend Based Waiver
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
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
3.5% of the international transaction value.
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 outstanding balance.
3.75% per month (55.55% per annum).
3.75% per month (45% annually).
Rewards & Benefits
Welcome Bonus
Not Applicable
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% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
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
₹99 per redemption transaction.
No charges for cashback redemption.
₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Travel & Lifestyle
Domestic Lounge Access
Complimentary lounge access has been discontinued on this card.
Not offered as of 20th June 2025.
Complimentary airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Complimentary lounge access has been discontinued on this card.
Not offered as of 20th June 2025.
Not Applicable
Travel Benefits
Not Applicable
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
Not Applicable
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 (Rs. 500-3000), max Rs. 100 per statement cycle.
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 amount withdrawn or min Rs. 500, whichever is higher.
2.5% of amount (minimum Rs. 500).
2.5% of transaction amount, minimum fee of ₹500.