Flipkart Axis Bank Credit Card vs HDFC Bank Millennia Credit Card
Compare Flipkart Axis Bank Credit Card, HDFC Bank Millennia Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
Axis Bank •••• •••• •••• •••• Credit Card Compare Flipkart Axis Bank Credit Card | HDFC Bank •••• •••• •••• •••• Credit Card Compare HDFC Bank Millennia Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 56Good Highest | 54Fair |
|---|---|---|
| Cashback | 87/100Highest | 86/100 |
| Lifetime free | 56/100 | – |
| Rewards | 24/100Highest | 23/100 |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | None | None |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | 21 years old |
|---|---|---|
| Minimum income | Not specified | ₹4,20,000 p.a. |
| Residency | Resident of India; primary cardholder aged 18 to 70 | Indian nationality; aged 21 to 40; salaried (net monthly income above ₹35,000) or self-employed (ITR above ₹6 lakh a year) |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 50 days | Up to 50 days |
|---|---|---|
| Minimum repayment | Sum of all instalments, fees, interest and finance charges, taxes, any amount over the credit limit and 2% of the remaining balance outstanding, plus any unpaid minimum due from earlier statements; at least ₹100, or the total due if that is below ₹100 (Axis Bank MITC) | 5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025) |
Rates & fees
Ongoing interest rates
| Purchases | 55.55% p.a. | 45.00% p.a.Lowest |
|---|---|---|
| Cash advances | 55.55% p.a. | 45.00% p.a.Lowest |
Fees
| Annual fee | No annual feeLowest | ₹1,000 p.a. |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | ₹0 | ₹0 |
| Cash advance fee | 2.5% of the amount | 2.5% of the amount |
| Foreign transaction fee | 3.5% | 3.5% |
| Late payment fee | ₹1,300 | ₹1,300 |
Rewards
Cashback
| Sign-up cashback | — | — |
|---|---|---|
| Spend required | — | — |
| Ongoing cashback | 1% on eligible spend | 1% on eligible spend |
| Cashback cap | 7.5% on Myntra (capped at ₹4,000 per statement quarter), 5% on Flipkart and Cleartrip (capped at ₹4,000 per statement quarter per merchant), unlimited 4% on preferred merchants and unlimited 1% on other eligible categories; no cashback on utility and telecom, education, rent, wallet load, government services, insurance, gold and jewellery, fuel, financial institutions, cash advances and repayments. | 5% CashBack on ten online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato; non-EMI spends only) and 1% on other spends except fuel, EMI, wallet, rent and government-related spends; paid as CashPoints worth ₹1 each against the statement; the terms table caps each of the two rows at 1,000 CashPoints per cycle (the 5% merchant terms say per calendar month). |
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Sources
- Credit Card Compare
- How CardIQ scores cards