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Comparison · हिन्दी

HDFC Millennia vs Axis Flipkart

Both cards compared on real rupee returns for HDFC Millennia vs Axis Bank Flipkart credit card which better online shopping cashback credit card India. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
HDFC
MILLENNIA
ASHOK KUMAR
VS
AXIS
AXIS FLIPKART
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
HDFC Millennia wins by ₹100 annually, delivering ₹5,120 in net benefits versus Axis Flipkart's ₹5,020. The edge comes from superior dining and food delivery rewards that offset its higher annual fee.
Side-by-side comparison
HDFC Millennia Credit Card ✓ Axis Flipkart Credit Card
Annual benefit ₹5,120 ₹5,020
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1L spend) ₹500 + taxes annual from year 2 (waived on ₹3,50,000 annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter; unlimited 4% at preferred partners (Swiggy, Uber, PVR, Fitpass and Stoga); 1% on other spends; no cashback on utilities, rent, wallets, fuel, insurance, education or government payments
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend None (discontinued in June 2025)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Online shoppers and food delivery users who buy on Amazon, Flipkart, Swiggy and Zomato Flipkart and Myntra shoppers
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3.5L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC Millennia Credit Card
Choose HDFC Millennia if you spend significantly on Swiggy, Zomato, or dining establishments. Its 5% cashback on food delivery, versus Axis's 4%, combined with utility bill coverage creates better value for this spend profile.
Axis Flipkart Credit Card
Choose Axis Flipkart if you're a heavy Myntra shopper (7.5% cashback) or prioritize lower fees. It works better for users with minimal dining expenses who benefit from unlimited 4% at preferred partners like Uber and PVR.
Who should get which card
Get HDFC Millennia if you…
· Frequent Swiggy and Zomato users seeking maximum food delivery rewards
· Those who value utility bill cashback (1% at HDFC vs none at Axis)
· Online shoppers on Amazon, Flipkart and Myntra combined with regular dining
Get Axis Flipkart if you…
· Myntra power shoppers (7.5% cashback capped quarterly)
· Users wanting lower annual fees (₹500 vs ₹1,000) with minimal dining spend
· Those prioritizing Uber, PVR and fitness apps through unlimited 4% rewards
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, HDFC Millennia Credit Card offers better annual returns for most spend profiles.
HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend). Axis Flipkart Credit Card has an annual fee of ₹500 + taxes annual from year 2 (waived on ₹3,50,000 annual spend).
HDFC Millennia Credit Card offers 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement. Axis Flipkart Credit Card offers 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter; unlimited 4% at preferred partners (Swiggy, Uber, PVR, Fitpass and Stoga); 1% on other spends; no cashback on utilities, rent, wallets, fuel, insurance, education or government payments.
HDFC Millennia Credit Card lounge access: No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend. Axis Flipkart Credit Card lounge access: None (discontinued in June 2025).
HDFC Millennia Credit Card charges 3.5% forex markup. Axis Flipkart Credit Card charges 3.5% forex markup.