Flipkart Axis Bank Credit Card vs HDFC Bank Millennia Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Rs. 500 + GST
₹1,000 + GST
Renewal Fee
Rs. 500 + GST
₹1,000 + GST
Spend Based Waiver
Annual fee waived on spends of Rs. 3.5 lakhs
The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Foreign Transaction Fees
3.5% of the total amount
3.5% + GST
Interest Rate (APR)
3.75% Per Month (55.55% annually)
3.75% Per Month (45% Annually)
Rewards & Benefits
Welcome Bonus
Introductory Benefits Worth Rs. 600 on Card Issuance
1,000 CashPoints
Rewards Rate
5% cashback on Flipkart, 4% cashback on preferred partners (Swiggy, Uber, PVR, and cult.fit), and 1% cashback on all other spends.
5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends
Reward Type
Cashback
Cashback
Reward Redemption Fee
₹50 + GST Per Cash Redemption Request. ₹99 + GST for Other Redemptions
Travel & Lifestyle
Domestic Lounge Access
1 Free Domestic Airport Lounge Access Every Quarter (4 Each Year)
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Accelerated Cashback (4%) on Uber Rides
Not Applicable
Dining & Movie Benefits
Up to 15% off at partner restaurants under Axis Bank's exclusive Dining Delights program
Flat ₹200 Discount on Swiggy Dineout (Minimum Order Value ₹2,000). Valid Twice Each Month
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% surcharge for fuel purchases between Rs. 400 & Rs. 4,000 (max waiver capped at Rs. 400/month).
A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% (Min. Rs. 500) of the withdrawn amount.
2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.