Axis Bank Flipkart Credit Card vs HDFC Millennia Credit Card
Verify differences in joining fees, waivers, reward structures, lounge access frequencies, and foreign transaction charges to pick your match.
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Axis Bank
Axis Flipkart
Cardmember
CARD COMPARE MEMBER
Axis Bank Flipkart Credit Card
Verified: 8 June 2026
HDFC Bank
HDFC Millennia
Cardmember
CARD COMPARE MEMBER
HDFC Millennia Credit Card
Verified: 9 June 2026
| Feature / Parameter | Axis Bank Flipkart Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Best For | Shopping | Shopping |
| Joining Fee | ₹500 | ₹1,000 |
| Annual Fee | ₹500 Best: Lower maintenance cost | ₹1,000 |
| Renewal Waiver | Waived on annual spends of ₹2,00,000 or more in the previous year. | Waived on annual spends of ₹1,00,000 or more in the previous year. |
| Cashback & Reward Rate | 5% cashback on Flipkart purchases. 4% cashback on preferred partner merchants (Cleartrip, Cult.fit, PVR, Swiggy, Tata CLiQ, Uber). 1.5% cashback on all other spends. | 5% cashback (as CashPoints) on Amazon, Flipkart, Swiggy, Uber, Zomato, Tata CLiQ, BookMyShow, Myntra. 1% cashback on other spends. |
| Lounge Access | 4 complimentary domestic lounge visits per calendar year. | 8 complimentary domestic lounge visits per year (maximum 2 per calendar quarter), subject to credit spending rules. Best: Better lounge privileges |
| Forex Markup Fee | 3.50% of the transaction value. | 3.50% of the transaction value. |
| Fuel Benefit | 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver capped at ₹400 per month). | 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (maximum waiver capped at ₹250 per statement cycle). |
| Finance Charges | 3.60% per month (43.20% per annum). | 3.60% per month (43.20% per annum). |
| Eligibility | Salaried or self-employed with salary above ₹25,000. Age limit: 18 to 70 years. | Salaried individuals with a monthly salary of ₹35,000+ or self-employed with annual ITR above ₹6 Lakhs. Age: 21 to 40 years. |
Choose Axis Bank Flipkart Credit Card if...
- You want a lower maintenance fee (₹500 vs ₹1,000).
- You prefer direct statement cashback over reward points catalog redemptions.
- Your spending habits are concentrated heavily on Shopping transactions.
- You easily hit the annual waiver spending target: ₹2,00,000 or more in the previous year.
Choose HDFC Millennia Credit Card if...
- You prefer direct statement cashback over reward points catalog redemptions.
- You want superior domestic and/or international airport lounge access privileges (8 complimentary domestic lounge visits per year (maximum 2 per calendar quarter), subject to credit spending rules.).
- Your spending habits are concentrated heavily on Shopping transactions.
- You easily hit the annual waiver spending target: ₹1,00,000 or more in the previous year.
AAxis Bank Flipkart Credit Card Highlights
Pros
- Flat 5% unlimited cashback on Flipkart, which is great for high-value purchases.
- Solid 4% cashback on daily platforms like Swiggy and Uber.
- Direct cashback credit into your card account statement every month.
Cons / Limitations
- Cashback excluded on fuel purchases, wallet reloads, gift card purchases, and gold purchases.
- Complimentary lounge access is limited to domestic terminals.
- The annual fee is not waived automatically in the first year unless promotional offer is running.
BHDFC Millennia Credit Card Highlights
Pros
- Excellent 5% return on popular daily partner sites including Amazon and Flipkart.
- Low annual fee waiver limit of ₹1 Lakh.
- CashPoints can be adjusted directly against your outstanding balance (1 CashPoint = ₹1).
Cons / Limitations
- CashPoints expire after 1 year if unused.
- 5% cashback capped at ₹1,000 total per calendar month across partner sites.
- Lounge access now conditional on meeting quarterly spending requirements.
CardCompare India Editorial Verdict
Both cards offer excellent value in their respective segments. If you prefer lower annual fees, Axis Bank Flipkart Credit Card is the clear choice. For travelers, check the Lounge Access and Forex Markup specs above to determine the winner.
Our comparisons are editorially independent. We may earn a commission. Banks verify CIBIL and issue final approvals.Fees, interest rates, reward rates, lounge lists, and eligibility terms are subject to change by issuing banks. CardCompare India is an independent review site and cannot guarantee final card approvals. Review the bank's official Reward Charters and Most Important Terms and Conditions (MITC) before submitting credit applications.