Head-to-head · 🇮🇳 India
HDFC Millennia vs Flipkart Axis Bank
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 2 of 10
IN
Axis Bank
Flipkart Axis Bank
Wins 5 of 10
Verdict
Flipkart Axis Bank wins 5-2. Flipkart loyalists who also use Myntra and Cleartrip HDFC Millennia is still the right call if online shoppers spending ₹15k–50k/month.
Side-by-side
| Criterion | HDFC Millennia | Flipkart Axis Bank |
|---|---|---|
| Annual fee | · ₹1,000 | ₹500 |
| Joining fee | · ₹1,000 | ₹500 |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days |
| Fee waiver threshold | ₹100,000 / yr | · ₹350,000 / yr |
| Min income | · ₹420,000 | ₹360,000 |
| Min credit score | · 750 | 730 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
Flipkart Axis Bank
- 5% cashback on Flipkart, Myntra, 2GUD
- 4% cashback on Cleartrip, Swiggy, Uber, PVR, Cult.fit
- 1.5% cashback on every other transaction
- 4 complimentary domestic lounge visits per year
- 1% fuel surcharge waiver
FAQ
›HDFC Millennia vs Flipkart Axis Bank: which is better?
Flipkart Axis Bank wins on more dimensions (5 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, Flipkart Axis Bank for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days.