HDFC Millennia Credit Card vs Axis Flipkart Credit Card: Which Is Better in 2026?
It depends on your needs
HDFC Millennia is better for general online shopping with 5% cashback, while Axis Flipkart offers superior value specifically on Flipkart. Both are excellent entry-level cards.
Quick Comparison
| Feature | HDFC Millennia Credit Card | Axis Flipkart Credit Card |
|---|---|---|
| Point Value | ₹1 per point (5% cashback) | ₹0.40 - ₹1 per point |
| Expiry Period | 2 years | No expiry if card active |
| Redemption Options | 4 options | 4 options |
| Bank | HDFC Bank | Axis Bank |
HDFC Millennia Credit Card — Key Strengths
5% cashback on partner merchants (Amazon, Flipkart, Myntra, Swiggy, Uber, Zomato, etc.), 1% on all other spends. 1 CashPoint = ₹1 statement credit. Capped at 1000 cashpoints per category per cycle
- ✓Use exclusively on 5% partner merchants for maximum cashback
- ✓Redeem points monthly as statement credit to avoid expiry
- ✓Quarterly milestone vouchers worth ₹1000 after ₹1L spend per quarter
Axis Flipkart Credit Card — Key Strengths
5% cashback on Flipkart purchases (₹1 value per point), 5% on Cleartrip, 1.5% on Myntra. Cashback capped at ₹4000 per quarter per merchant
- ✓Annual fee ₹500 waived on spending ₹1L+
- ✓5% on Flipkart is among the best for online shopping
- ✓Quarterly cashback caps mean large Flipkart spends need planning
Our Verdict
HDFC Millennia is better for general online shopping with 5% cashback, while Axis Flipkart offers superior value specifically on Flipkart. Both are excellent entry-level cards.
Frequently Asked Questions
Is HDFC Millennia Credit Card or Axis Flipkart Credit Card better in 2026?
HDFC Millennia is better for general online shopping with 5% cashback, while Axis Flipkart offers superior value specifically on Flipkart. Both are excellent entry-level cards.
Which card has better point value: HDFC Millennia Credit Card or Axis Flipkart Credit Card?
HDFC Millennia Credit Card offers ₹1 per point (5% cashback). Axis Flipkart Credit Card offers ₹0.40 - ₹1 per point. The better value depends on your redemption method.
Which card has longer point expiry?
HDFC Millennia Credit Card: 2 years. Axis Flipkart Credit Card: No expiry if card active. Choose the card with the expiry policy that suits your spending pattern.
Can I have both HDFC Millennia Credit Card and Axis Flipkart Credit Card?
Yes, you can hold both cards simultaneously. Many rewards enthusiasts hold multiple cards to maximize earnings across different spending categories.