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Flipkart Axis Bank Credit Card Vs. HDFC Bank Millennia Credit Card

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

Comparison of Flipkart Axis Bank Credit Card and HDFC Bank Millennia Credit Card

Feature
Flipkart Axis Bank Credit Card
HDFC Bank Millennia Credit Card
Annual Fee
₹500 + GST
₹1,000 + GST
Joining Fee
₹500 + GST
₹1,000 + GST
Welcome Benefits
₹350 worth of activation benefits make the first-year fee virtually negligible.
N/A
Interest Rate (APR)
N/A
N/A
Foreign Currency Markup
N/A
N/A
Key Highlights
  • •High Cashback on Partner Platforms
  • •Welcome Benefits
  • •Quarterly Cashback Caps
  • •Annual Fee Structure
  • •Fuel Surcharge Waiver
  • •Welcome Bonus
  • •Cashback on Top Merchants
  • •Universal Cashback
  • •Quarterly Vouchers
  • •Annual Fee Waiver
Dos
  • Use the card on eligible merchants like Flipkart, Myntra, Swiggy, Uber and other preferred partners to maximise cashback.
  • Track quarterly cashback caps to plan high-value purchases within the eligible limits.
  • Use the card for regular online and offline purchases to earn base cashback wherever applicable.
  • Take advantage of available dining and lifestyle offers when provided by partner platforms.
  • Keep track of your annual spending if you aim for fee waivers or want to maximise value.
  • Use the card on top partner merchants to earn maximum 5% cashback
  • Pay the entire outstanding amount by the due date to avoid interest charges
  • Track CashPoints regularly and redeem them for best value options
  • Plan quarterly spending to reach ₹1 lakh threshold for gift vouchers
  • Keep the card secure and report loss or theft immediately to the bank
Don'ts
  • Do not expect cashback on excluded categories such as fuels, wallet reloads, and bill payments.
  • Avoid converting purchases into EMIs if you want cashback, since EMI transactions generally do not earn cashback.
  • Do not use the card for ATM cash withdrawals unless necessary, as they may involve separate charges and no cashback benefits.
  • Don't expect fuel transactions to provide cashback, as they are excluded from the benefits.
  • Do not assume that all transaction categories will earn cashback, as many categories are specifically excluded.
  • Avoid overspending beyond repayment capacity just to earn cashback or reach milestones
  • Do not pay only the minimum amount due regularly as interest accumulates on balance
  • Ignore transaction alerts or monthly statements; review them promptly for accuracy
  • Share card details, CVV, PIN, or OTP with anyone, including people claiming to be bank staff
  • Use the card for cash withdrawals unless absolutely necessary due to high charges

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