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Flipkart vs Millennia – Full comparison

Both cards verified with issuer

Flipkart source Millennia source

Forex costs are a key difference

Key differences

Best forex Millennia 2%
Lowest fee Flipkart ₹500
Best lounge Flipkart 4/year lounge

Spend context

At ₹50k/month spend:

  • Millennia: ~₹1,000/month at base rate
  • Flipkart: ~₹750/month at base rate

Approximate, based on base rates (before caps).

Flipkart AXIS Millennia HDFC
Lounge Access
Domestic lounge visits
spend-gated on some cards — see caveats
4/year vs None
4/year None
Forex / International Use
Forex markup
Source agreement differs — verify both.
3.5% vs 2%
3.5% 2%
Fees
Annual fee
₹500 vs ₹1,000
₹500 ₹1,000
Joining fee
₹500 vs ₹1,000
₹500 ₹1,000
Fee waiver spend
₹3,50,000 vs ₹1,00,000
₹3,50,000 ₹1,00,000
Rewards
Reward points (base spend)
1.5 pts/₹100 vs 3 pts/₹150
1.5 pts/₹100 3 pts/₹150
Point cash value
No difference
₹1 ₹1

Notes

  • Axis Bank Flipkart Credit Card: Minimum ₹50,000 card spend in the preceding three calendar months — verify with Axis
  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.