Axis Flipkart Credit Card vs HDFC Millennia
Last updated: 2026-04-12· By PointsWallah Editorial
Our Verdict
The Millennia gives 5% on multiple brands (Amazon, Flipkart, Swiggy, Zomato) but caps it at 750 points/month. The Axis Flipkart gives uncapped 5% on Flipkart only. If your Flipkart spending alone exceeds 15,000/month, the Axis Flipkart earns more from Flipkart than the Millennia's capped 750 points. But if you spread spending across Amazon, Swiggy, AND Flipkart, the Millennia covers more ground. Factor in the Millennia's 8 lounge visits (Flipkart card only gets 4). For online-heavy spenders: Millennia for breadth, Flipkart for depth on a single platform.
| Feature | Axis Flipkart Credit Card | HDFC Millennia |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Visa |
| Annual Fee | ₹500 | ₹1,000 |
| Fee Waiver | Spend 2L in a year (or first year fee often waived) | Spend 1L in a year |
| Income Required | ₹3L/year | ₹4L/year |
| Base Reward Rate | 1.5 Cashback/₹100 | 2 Points/₹100 |
| Lounge Access | 4 domestic, 0 intl | 8 domestic, 0 intl |
| Fuel Surcharge Waiver | Yes | Yes |
Reward Rates Compared
Axis Flipkart Credit Card
Cashback
- Flipkart5x
- Preferred partners (Swiggy, PVR, Uber, etc.)4x
- All other spends1.5x
HDFC Millennia
HDFC Reward Points
- All spends2x
- Amazon, Flipkart, Swiggy, Zomato, Myntra5x
- SmartBuy portal5x
Our Analysis
Axis Flipkart Credit Card
If you're a Flipkart-first shopper, this card is a no-brainer. The 5% uncapped cashback means there's no limit to how much you can earn on Flipkart purchases — during Big Billion Days, heavy shoppers can earn thousands in cashback. The 4% on Swiggy and PVR is a nice bonus. The question is whether you're a Flipkart loyalist or an Amazon loyalist — if the latter, look at the Amazon Pay ICICI card instead. For most people who shop across both platforms, this card + Amazon Pay ICICI as a 2-card setup covers both sides perfectly.
HDFC Millennia
The Millennia is designed for the online-first generation — and it delivers on that promise. If your spending is heavily weighted toward Amazon, Flipkart, and food delivery apps, the 5% CashBack is genuinely useful. The catch most people miss is the 750 points/month cap on partner CashBack, which means the effective maximum benefit from the 5% rate is about 375/month. Still, combined with the easy 1L fee waiver and 8 lounge visits, this is a solid first premium card. Graduate to Regalia once your income crosses 12L.
Pros & Cons
Axis Flipkart Credit Card
Pros
- + 5% uncapped cashback on Flipkart — best card for Flipkart shoppers
- + 4% on preferred partners (Swiggy, PVR, Uber)
- + Low 500 annual fee with easy waiver
- + No income documentation needed if applying through Flipkart
Cons
- - 1.5% base cashback is below average for premium cards
- - Cashback is credited as statement credit — not as flexible as reward points
- - Only 4 domestic lounge visits, no international
- - Flipkart co-brand means card value drops if you shift to Amazon
HDFC Millennia
Pros
- + 5% CashBack on top online brands (Amazon, Flipkart, Swiggy, Zomato)
- + Low 1L annual spend requirement for fee waiver
- + Good starter premium card with reasonable income requirement
- + 8 domestic lounge visits per year
Cons
- - 5% CashBack on partners is capped at 750 points/month
- - Base rate of 2x on general spends is average
- - No international lounge access
- - Not great for travel or high spenders
Who Should Pick What?
Pick Axis Flipkart Credit Card if you:
- • multi platform shoppers
- • food delivery users
- • lounge access seekers
Pick HDFC Millennia if you:
- • flipkart heavy spenders
- • uncapped cashback seekers
Frequently Asked Questions
Is Axis Flipkart Credit Card better than HDFC Millennia?
The Millennia gives 5% on multiple brands (Amazon, Flipkart, Swiggy, Zomato) but caps it at 750 points/month. The Axis Flipkart gives uncapped 5% on Flipkart only. If your Flipkart spending alone exceeds 15,000/month, the Axis Flipkart earns more from Flipkart than the Millennia's capped 750 points. But if you spread spending across Amazon, Swiggy, AND Flipkart, the Millennia covers more ground. Factor in the Millennia's 8 lounge visits (Flipkart card only gets 4). For online-heavy spenders: Millennia for breadth, Flipkart for depth on a single platform.
What is the annual fee difference between Axis Flipkart Credit Card and HDFC Millennia?
Axis Flipkart Credit Card has an annual fee of ₹500 (waiver: Spend 2L in a year (or first year fee often waived)). HDFC Millennia has an annual fee of ₹1,000 (waiver: Spend 1L in a year).
Which card has better lounge access — Axis Flipkart Credit Card or HDFC Millennia?
Axis Flipkart Credit Card offers 4 domestic and 0 international visits. HDFC Millennia offers 8 domestic and 0 international visits.
Disclaimer:This comparison is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on the respective bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial recommendations.