Axis Flipkart vs HDFC Millennia: Which Credit Card is the One for You?

Axis Flipkart vs HDFC Millennia Credit card
Axis Flipkart vs HDFC Millennia Credit card

Credit cards are some of the most advantageous and shopping-centric financial instruments, including some of the most popular ones like Axis Flipkart and HDFC Millennia. Cashback and rewards are two features that often lead customers to get more whenever they spend. When choosing a cashback credit card, you must also look at other aspects like the net reward rate, eligibility criteria, joining fees, and most importantly your credit score.

Axis Flipkart and HDFC Millennia are two credit cards offering higher rewards on offline and online purchases. Both of these cards offer discounts and cashback on partner websites and stores. Often applicants find it challenging to choose between these two cards, but don’t worry; this blog will help you clarify each of them by comparing their respective use cases, benefits, fees, and more.

Axis Flipkart vs HDFC Millennia Credit Card

Axis Flipkart credit card offers a rewarding flat 5% instant discount on select merchants like Flipkart and Myntra. There is a 4% cashback on websites including Cleartrip, PVR, Swiggy,, and more. It also comes with complimentary domestic airport lounge access to cater to your wanderlust. 

On the other hand, the cashback-centric HDFC Millennia credit card is the entry-level HDFC card that offers unique rewards on wallet reloads like Paytm and PhonePe. It also provides 5% cashback on various categories like online shopping, travel & reservation, and dining using Payzapp and Smartbuy portals. You get up to 8 domestic lounge visits annually for all your travel needs. Also, have a look at Flipkart axis bank credit card vs sbi simply click credit card.

Pros and Cons of Axis Flipkart Credit Card

Axis Flipkart Credit card
Flipkart Axis Cashback Credit Card
  • 5% Cashback on Flipkart and Myntra.
  • 4% Cashback on Goibibo, Makemytrip, PVR and UBER.
  • 4 complimentary visits per year to domestic airport lounge
  • 1% fuel surcharge waiver
  • 1.5% on all other spends
  • High cashback limited to certain partner websites
  • Cashback on offline spends is quite low

Pros and Cons of HDFC Millennia Credit Card

HDFC Millennia Credit Card
HDFC Millennia Credit Card
  • 5% cashback on Amazon, Sony LIV, Swiggy, Tata CLiQ, Uber, BookMyShow,, Flipkart, Myntra, and Zomato
  • 20% instant discount on partner restaurants.
  • 1% cashback on all other spends.
  • 2 Complimentary domestic airport lounge access per quarter. 
  • 1% fuel surcharge waiver across all fuel stations in India.
  • Milestone-based reward system.
  • Cashback has an upper limit of Rs 1000 on each category for first 6 months, followed by Rs 750 after that.
  • No reward points or cashback on fuel transactions.

Fees & Charges

Axis Flipkart Credit Card Charges

Joining Fees₹500 + Applicable Taxes
Annual Fees₹500 + Applicable Taxes (Waived off if spent > ₹ 2 Lakhs in a calendar year)
Interest Rate3.4% per month

HDFC Millennia Credit Card Charges

Joining Fees:Rs 1000 + Applicable Taxes
Annual Fees:Rs 1000 + Applicable Taxes (Waived off if spent > ₹ 1 Lakh per calendar year.)
Interest Rate:3.6% per month

Axis Flipkart vs HDFC Millennia Rewards

Axis Flipkart Credit Card Rewards

Axis Flipkart Credit card comes with several rewards and features. Highlighting a few of the major ones: 

1. Welcome Rewards

Axis Flipkart credit card offers a set of welcome benefits focused on Online shopping. Users get a complimentary voucher from Flipkart worth Rs 500 and an instant 15% discount on their first order from Myntra. 

2. Upto 5% Cashback

This card offers a flat 5% cashback on Flipkart and Myntra. Apart from this, you get 4% cashback on Cleartrip,, PVR, Swiggy, TATA 1mg, TataSky, and Uber. On all other spending, 1.5% cashback is awarded. 

3. Fuel Surcharge Waiver

Axis Flipkart credit card even helps you save on fuel purchases. Users get a 1% fuel surcharge waiver. The transaction amount should be between Rs 400 and Rs 4000 to be eligible for this. Note – The cashback is capped at Rs 500 per month.

HDFC Millennia Credit Card Rewards

1. Dining Discounts

HDFC Millennia credit card offers up to a 20% instant discount on fine dining in association with partner restaurants. It also comes with the Good Food Trail Dining program, which provides the experience of premium restaurants and outlets across top cities. 

2. High Cashback

This card offers a flat 5% cashback on Amazon and Flipkart, flight & hotel bookings via PayZapp and SmartBuy portals. Apart from this, you get up to 2.5% cashback on all online spending and shopping. It also offers a distinctive 1% cashback on wallet reloads like Paytm and PhonePe, and also on all other spends. 

3. Welcome Benefits

This card comes with welcome benefits worth Rs 1000 on payment of membership fee. It also rewards the user with a gift voucher worth Rs 1000 on the spending of more than Rs 1 Lakh per calendar quarter in the first year. 

Who Should get an Axis Flipkart Credit Card? 

If your fuel spending is on the higher side, you should consider applying for an Axis Flipkart credit card, as it offers a flat 1% fuel surcharge waiver on transactions worth Rs 400 to 4000. It also provides a 5% cashback on online shopping done through Flipkart and Myntra. You get a reward rate on all offline and other spends at 1.5% per transaction, so that’s covered as well. 

Who should get an HDFC Millennia Credit Card?

HDFC Millennia Credit card offers numerous rewards and cashback across various categories except for fuel purchases. By using this card on Payzapp and Smartbuy portals, members can get extra discounts and avail of limited-time deals on shopping and travel reservations. You should not consider this card if your fuel spending is high as there are no waivers. It also rewards you while traveling as it offers up to 8 complimentary domestic airport lounges in a year.

Axis Flipkart Credit Card Eligibility Criteria & Documentation

1. Age

Primary cardholders should be between the age of 18 and 70 years.

2. Nationality

The individual should either be a Resident of India or a Non-Resident Indian.

3. Documents

  • PAN card photocopy or Form 60
  • Colour photograph
  • Latest payslip/Form 16/IT return copy as proof of income
  • Residence proof (any one of the following)
  • Passport
  • Ration Card
  • Electricity bill
  • Landline telephone bill
  • Passport
  • Driving license
  • PAN card
  • Aadhaar card

HDFC Millennia Credit Card Eligibility Criteria & Documentation

1. Age

  • If you are a salaried individual – 21 years to 60 years.
  • If you are a self-employed individual – 25 years to 65 years

2. Occupation

  • Self-employed Individuals
  • Salaried individuals

3. Income

  • Salaried- More than Rs 25,000 per month.
  • Self-employed- More than Rs 50,000 per month.

4. Location

It would be best to live and work in one of the serviceable pin codes per HDFC’s website.

5. Documents

ID Proof
  • PAN Card
  • Aadhaar card
  • Driver’s License
  • Passport
  • Voter’s ID
  • Overseas Citizen of India Card
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Letters issued by the UIDAI or any other government-approved photo ID proof
Address Proof
  • Aadhaar card
  • Driver’s License
  • Passport
  • Utility Bill not more than three months old
  • Ration Card
  • Property Registration Document
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Bank Account Statement or any other government-approved address proof
Income Proof (any one of the following)
  • Latest one or two salary slips (not more than three months old)
  • Latest Form 16
  • Last three months’ bank statement


Axis Flipkart and HDFC Millennia credit cards are cashback and online shopping-based cards. They offer amazing rewards on select partner websites like Amazon, Flipkart, Myntra, PVR, and more. You should analyze and identify the brands you spend on before choosing one out of these, although the HDFC Millennia is largely platform-agnostic and offers an entry into the world of rewarding HDFC credit cards. On the other hand, Axis Flipkart is more beneficial with unlimited cash back potential.

Both of these cards offer partner discounts on dining and entertainment. Credit cards always provide a list of exciting rewards and features, but you should look for a feasible card according to your needs in terms of annual fees as well as terms and conditions. Good luck! Here you can also check Axis ACE vs SBI SimplyCLICK.

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