What are the annual fees for Flipkart Axis Bank Credit Card and HDFC Bank Millennia Credit Card?

Flipkart Axis Bank Credit Card has ₹500 + GST. HDFC Bank Millennia Credit Card has ₹1,000 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Flipkart Axis Bank Credit Card earns about 1% on general spends; HDFC Bank Millennia Credit Card earns about 1%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Flipkart Axis Bank Credit Card: 3.5%. HDFC Bank Millennia Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Flipkart Axis Bank Credit Card: none specified. HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits.

Card Comparison

Flipkart Axis vs HDFC Millennia

Flipkart Axis vs HDFC Millenniacompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Flipkart Axis Bank

Axis Bank

Fee₹500+GST

Eff. rate1%

CapNone

Fee

₹500+GST

Eff. rate

Cap

None

HDFC Bank Millennia

HDFC Bank

Fee₹1,000+GST

Eff. rate1%

Cap₹2,000

Fee

₹1,000+GST

Eff. rate

Cap

₹2,000

Quick take

How they compare

Flipkart Axis and HDFC Millennia suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1% vs 1% effective rate. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Flipkart Axis

Annual fee: ₹500 + GST
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

Bonus rewards on Myntra (up to 7.5%)
Direct cashback — nothing to redeem
No monthly reward cap

HDFC Millennia

Annual fee: ₹1,000 + GST
Everyday rate: 1%
Monthly cap: ₹2,000/mo

Notable strengths

Bonus rewards on Amazon (up to 5%)
Direct cashback — nothing to redeem

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

59 specs · 13 sections

Flipkart Axis Bank

HDFC Bank Millennia

Feature

Flipkart Axis Bank

HDFC Bank Millennia

Annual Fee

₹500

₹1,000

Joining Fee

Free

₹1,000

Fee Waiver Spend

₹3,50,000

₹1,00,000

Forex Markup

3.5%

Reward Type

Cashback

Base Rate

Online Rate

Offline Rate

Effective Base Rate

Point Value

₹1

Redemption Quality

HIGH

Best Redemption

₹1

Worst Redemption

₹1

₹0.3

Amazon

Amazon Pay

—

Amazon Prime

—

Bookmyshow

—

Cleartrip

—

Grocery / Supermarkets

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

Flights, Hotels, OTAs, Tour Operators

Other Retail / Catch-all

Monthly Cap

No cap

₹2,000

Est. Annual Cap

No cap

₹24,000

Total Excluded

9 categories

5 categories

Gold / Jewellery

Excluded

Earns rewards

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Excluded

Earns rewards

Education / School / College Fees

Excluded

Earns rewards

EMI Transactions

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

—

₹1,760

Forex Markup

3.5%

Description

₹250 Flipkart voucher on first transaction within 30 days

1,000 CashPoints on payment of membership fee

Estimated Value

₹200

₹1,000

Fuel Surcharge Waiver

Yes

Best Suited For

Shopping

Online Shopping, Everyday Spends

Min Income

Not specified

₹35,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Visa, Mastercard

Card Tier

Classic

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Flipkart Axis Bank Credit Card and HDFC Bank Millennia Credit Card?: Flipkart Axis Bank Credit Card has ₹500 + GST. HDFC Bank Millennia Credit Card has ₹1,000 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Flipkart Axis Bank Credit Card earns about 1% on general spends; HDFC Bank Millennia Credit Card earns about 1%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Flipkart Axis Bank Credit Card: 3.5%. HDFC Bank Millennia Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Flipkart Axis Bank Credit Card: none specified. HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Flipkart Axis · HDFC Bank - HDFC Millennia