Skip to main content

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.
Verified
Last updated: 17 July 2026

Both Flipkart Axis Bank Credit Card and HDFC Bank Millennia Credit Card suit shopping-focused spenders, but they earn and cost differently. Flipkart Axis Bank Credit Card costs ₹500 + GST and earns 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. Flipkart Axis Bank Credit Card also brings Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount, while HDFC Bank Millennia Credit Card counters with complimentary airport lounge access voucher upon achieving quarterly spend milestones. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

Fees & Charges

Joining FeeFree (1st year)
Joining Fee₹1,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% + GST on international spends.
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil / No.
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).

Travel & Lifestyle

Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge AccessNot Applicable
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Dining Benefits10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.

Security & Other

Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Insurance BenefitsZero liability on fraudulent transactions if lost card is reported immediately.
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
Cash Advance Charges2.5% of transaction amount, minimum fee of ₹500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Flipkart Axis Bank Credit Card

HDFC Bank Millennia Credit Card

Who is it for?

The Flipkart Axis Bank Credit Card is an entry-level card designed for online shoppers, offering significant cashback on popular platforms like Flipkart, Myntra, and Cleartrip. It provides high reward rates on preferred partners such as Swiggy, Uber, and PVR, making it ideal for digital spending and daily online transactions. With cashback directly adjusted to the statement, it simplifies savings for users who frequently shop online and seek value on fashion, travel, and entertainment.

Who is it for?

The HDFC Bank Millennia Credit Card is an entry-level cashback card primarily designed for young professionals and millennials. It offers a significant 5% cashback on popular online merchants and 1% on other eligible spends. Users can enjoy attractive gift vouchers for achieving quarterly spend milestones and a renewal fee waiver based on annual spending. This card is positioned to help users save on lifestyle expenses and build a strong credit profile through versatile reward redemptions.

Pros

Key benefits and features.

Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.

High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.

Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.

Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.

No upper limit on cashback for most categories, providing significant savings potential.

Pros

Key benefits and features.

High 5% cashback on popular partner merchants including Myntra, Amazon.

Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.

Provides substantial savings for digital-savvy consumers on daily spends.

Cons

Key drawbacks and limitations.

Not the best choice for offline shopping, offering only 1% cashback on such spends.

Does not offer any insurance benefits, such as air accident cover or luggage cover.

No complimentary airport lounge access, limiting travel perks for cardholders.

New fees on rent, education, utilities, and wallet loads from late 2024.

Cons

Key drawbacks and limitations.

Earns a lower 1% cashback on offline/online spends at non-partner merchants.

Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.

A minimum of 500 CashPoints are required to redeem against statement balance.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Flipkart Axis Bank Credit Card(opens in new tab)Apply for HDFC Bank Millennia Credit Card(opens in new tab)