Flipkart Axis Bank Credit Card vs Cashback SBI 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
₹500 + GST
₹999 + GST
₹1,000 + GST
Renewal Fee
₹500 + GST
₹999 + GST
₹1,000 + GST
Spend Based Waiver
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees
3.5% of transaction value; 1.5% for DCC.
3.5% of the international transaction value.
3.5% + GST on international spends.
Interest Rate (APR)
3.75% per month (55.55% per annum).
3.75% per month (45% per annum) on outstanding balance.
3.75% per month (45% annually).
Rewards & Benefits
Welcome Bonus
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Not Applicable
Receive 1,000 bonus CashPoints upon successful realization of the joining fee.
Rewards Rate
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Earn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
No charges for cashback redemption.
₹99 per redemption transaction.
₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Travel & Lifestyle
Domestic Lounge Access
Not offered as of 20th June 2025.
Complimentary lounge access has been discontinued on this card.
Complimentary airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access
Not offered as of 20th June 2025.
Complimentary lounge access has been discontinued on this card.
Not Applicable
Travel Benefits
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Not Applicable
Redeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Movie Benefits
Unlimited 4% cashback on PVR movie ticket bookings.
Not Applicable
5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Dining Benefits
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
Not Applicable
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 spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
Security & Other
Insurance Benefits
None explicitly offered.
Not Applicable
Zero liability on fraudulent transactions if lost card is reported immediately.
Cash Advance Charges
2.5% of amount (minimum Rs. 500).
2.5% of amount withdrawn or min Rs. 500, whichever is higher.
2.5% of transaction amount, minimum fee of ₹500.