Axis Flipkart vs HDFC Millennia
Side-by-side credit card comparison to help you choose the best one.
Axis Flipkart
Why this card wins: Flipkart Loyalists — 5% unlimited cashback on Flipkart
| Feature | ||
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹500 + GST | ₹1,000 + GST |
| Joining Fee | Nil | ₹1,000 + GST |
| Rewards | 5% unlimited cashback on Flipkart | 5% Cashback on Amazon, Flipkart, Swiggy |
| Best For | Flipkart Loyalists | Online Shopping |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | 1000 Cash Points on first txn |
| Min Income | ₹15,000/month | ₹25,000/month |
| Lounge Access | 4 domestic per year | 8 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.7 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis Flipkart
Flipkart Loyalists
Mastercard • Cashback
- 4% cashback on preferred partners (Swiggy, PVR)
- 1.5% unlimited cashback on basic spends
- 4 complimentary lounge visits per year
- Instant discount offers on big billion days
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
Verdict
Based on rating and overall value, Axis Flipkart ranks highest among your selected cards. It excels at Flipkart Loyalists and offers 5% unlimited cashback on Flipkart.
Frequently asked questions
Which is better: Axis Flipkart or HDFC Millennia?
Axis Flipkart has the higher CardKhoj rating (4.7/5) and is best for flipkart loyalists. HDFC Millennia is the better fit if your priority is online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: Axis Flipkart and HDFC Millennia?
Axis Flipkart is cheaper to hold at ₹500 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do Axis Flipkart and HDFC Millennia offer airport lounge access?
Axis Flipkart: 4 domestic per year. HDFC Millennia: 8 domestic per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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