Credit Card Comparison: HDFC Millennia Vs. Flipkart Axis Vs. Amazon ICICI

In the case of procuring, probably the most sought-after options are rewards and cashback. HDFC Millennia, Flipkart Axis and Amazon ICICI are among the in style bank cards on this league. Amongst these, Amazon ICICI and Flipkart Axis stand out as co-branded playing cards that provide respectable cashback particularly on their respective manufacturers. Then again, HDFC Millennia stands aside by offering advantages throughout a various vary of manufacturers. Selecting between these bank cards may be troublesome as all of them reward you with respectable advantages in your on-line procuring. Right here is an in depth comparability of those bank cards that can assist you determine which card it is best to select.

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Cashback Comparability: HDFC Millennia Vs. Flipkart Axis Vs. Amazon ICICI

All three bank cards reward you with respectable rewards or cashback to your on-line and offline transactions. Listed here are the main points concerning the identical:

*Amazon Companion retailers embrace manufacturers like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, City Ladder, and so on.

How HDFC Millennia is completely different from Flipkart Axis & Amazon ICICI?

HDFC Millennia Credit score Card differentiates from each playing cards attributable to its rewards construction. Whereas Amazon ICICI and Flipkart Axis present direct cashback on transactions, HDFC Millennia presents cashback within the type of CashPoints or reward factors. These CashPoints might be redeemed for cashback in opposition to your assertion steadiness or flight/ resort bookings, merchandise from the rewards catalogue and extra. Total, Flipkart Axis and Amazon ICICI work on a easy cashback construction, whereas HDFC Millennia comes with its personal restrictions associated to reward factors.

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Worth-back Comparability

Suppose you’ve got made the below-mentioned transactions, contemplating you’re an Amazon Prime member. Let’s perceive how a lot it can save you through these bank cards:

Flipkart: Rs. 2,000
Myntra: Rs. 2,000
Amazon: Rs. 2,000
Swiggy: Rs. 1,000
PVR: Rs. 1,000
Uber: Rs. 1,000
Zomato: Rs. 1,000
BookMyShow: Rs. 1,000
Retail: Rs. 10,000

Be aware: The rewards charge for HDFC Millennia is taken into account at 1 CashPoint = Re. 1 in opposition to assertion steadiness.

Which one is best for procuring?

All three bank cards provide respectable advantages in respective areas, but every card targets a unique viewers. Flipkart Axis Credit score Card caters to frequent consumers at Flipkart or Myntra, Amazon ICICI rewards Amazon Prime customers for his or her transactions. In distinction, HDFC Millennia covers a variety of high manufacturers, permitting you to earn larger rewards on platforms like BookMyShow, Flipkart, Myntra, Swiggy, and extra. In case you are an Amazon loyalist, Amazon ICICI is an appropriate possibility, particularly in case you are a Prime member. Nonetheless, it might be extra helpful if the cardboard comes with complimentary Amazon Prime Membership as larger advantages are provided solely to Prime clients. So, Flipkart Axis is a greater possibility than Amazon ICICI due to its larger base charge and 4% cashback on most popular retailers with none hidden phrases.

In the case of procuring at different manufacturers like Flipkart, Myntra, Swiggy, Zomato and extra, HDFC Millennia presents higher cashback as in comparison with Flipkart Axis. HDFC Millennia presents 5% cashback on all these manufacturers, whereas Flipkart Axis offers 5% cashback on Flipkart, 1.5% cashback on Myntra, and 4% cashback on different manufacturers. Nonetheless, Millennia does have a limitation as you may solely earn a most of 1,000 CashPoints per 30 days, whereas there isn’t any most capping on month-to-month cashback provided by Flipkart Axis.

To summarize, based mostly on cashback worth, HDFC Millennia emerges as a rewards bank card for on-line procuring, whereas Amazon Pay ICICI and Flipkart Axis, being co-branded bank cards, provide higher advantages on the collaborated model.

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Journey Advantages

In the case of journey, HDFC Millennia and Flipkart Axis reward you with complimentary lounge entry. The journey advantages provided by these playing cards are as follows:

HDFC Millennia Credit score Card: 8 complimentary home lounge entry per calendar yr (Max. 2 in 1 / 4)
Flipkart Axis Credit score Card: 4 complimentary home lounge visits yearly

Not providing any journey advantages by Amazon ICICI is justified as it’s an entry-level bank card with no becoming a member of and annual price. Nonetheless, when evaluating the journey perks of the opposite two bank cards, HDFC Millennia can be a more sensible choice for people who regularly journey throughout the nation. Then again, combining the 4% cashback on journey manufacturers like Cleartrip makes Flipkart Axis a beautiful possibility for frequent travellers. Sadly, neither of those bank cards presents worldwide lounge entry, limiting these advantages to home journey solely. Total, each HDFC Millennia and Flipkart Axis justify their annual charges by offering an inexpensive variety of lounge entry and different journey advantages.

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Welcome Advantages

HDFC Millennia and Flipkart Axis each bank cards provide welcome advantages definitely worth the becoming a member of price as per the beneath particulars:

HDFC Millennia Credit score Card: 1,000 CashPoints price Rs. 1,000 (if redeemed in opposition to assertion steadiness) after the cost of becoming a member of price.

Flipkart Axis Financial institution Credit score Card: The cardboard presents welcome advantages by means of vouchers or cashback price Rs. 1,100:

Flipkart voucher price Rs. 500 on making the primary transaction
15% cashback as much as Rs. 500 on the primary transaction on Myntra
50% low cost as much as Rs. 100 on the primary transaction for brand spanking new Swiggy clients utilizing code “AXISFKNEW“

Amazon Pay ICICI Credit score Card is a lifetime free bank card; therefore, providing no welcome advantages is justified. Nonetheless, when contemplating the opposite two bank cards, each playing cards make up for the becoming a member of price by providing worthwhile welcome advantages. With HDFC Millennia, though you pay Rs. 1,000 for the becoming a member of price, you obtain welcome advantages price Rs. 1,000, successfully balancing out the preliminary value. Compared, Flipkart Axis goes past the becoming a member of price with in depth welcome advantages. For an annual price of Rs. 500, you get welcome advantages price Rs. 1,100, which is greater than twice the worth of the becoming a member of price.

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Different Advantages

Apart from procuring and journey, you too can avail advantages like free present vouchers, eating low cost and far more by means of these bank cards. Under talked about are the advantages provided by these bank cards:

Based mostly on the above comparability desk, all of the playing cards present an identical gas surcharge waiver on transactions. Nonetheless, for eating functions, each HDFC Millennia and Flipkart Axis stand out as higher choices. Not solely do they provide a further 5% low cost in comparison with Amazon ICICI, however additionally they present 5% cashback (HDFC Millennia) and 4% cashback (Flipkart Axis) on transactions made at Swiggy. In the case of milestone advantages, HDFC Millennia provide further rewards price Rs. 1,000 on reaching a spending milestone of Rs. 1 Lakh in 1 / 4, roughly amounting to Rs. 33,000 per 30 days. Attaining this milestone is sort of possible should you use your bank card for a good portion of your bills.

Which card must you select?

The choice between HDFC Millennia, Amazon ICICI, and Flipkart Axis fully will depend on your spending habits and most popular decisions. In case you are an Amazon Prime member, choosing Amazon ICICI can be extra helpful as in comparison with the opposite two playing cards. Nonetheless, relating to procuring, choosing HDFC Millennia can assist you save extra in your bills attributable to its multi-brand reductions, particularly in case you are not loyal to a selected model. Whereas all of the playing cards provide comparable advantages, they considerably differ from one another on the next factors:

HDFC Millennia is a rewards bank card, offering you the pliability to redeem your reward factors not just for assertion steadiness but in addition for flight or resort bookings, in addition to merchandise from the rewards catalogue. Nonetheless, it’s price noting that the worth of CashPoints reduces when redeemed for choices apart from cashback. Then again, Amazon ICICI and Flipkart Axis provide direct cashback with none trouble of incomes and redeeming the reward factors.
HDFC Millennia stands out by providing a 5% cashback throughout a number of manufacturers, whereas the opposite two playing cards restrict their larger advantages solely to their collaborated manufacturers. With Amazon ICICI and Flipkart Axis, you may take pleasure in a 5% cashback solely on their respective manufacturers. Moreover, Flipkart Axis has a better base charge in comparison with the opposite two bank cards, but HDFC Millennia offers higher rewards for on-line procuring.
Amazon ICICI is a lifetime free bank card, whereas the opposite two playing cards cost an annual price that’s waived off on reaching the spending milestones. Flipkart Axis comes with a nominal price of Rs. 500, whereas HDFC Millennia fees Rs. 1,000, making it a disadvantage in comparison with the advantages provided by the Flipkart Axis Credit score Card, aside from lounge entry.

To summarize, the suitable bank card for you’ll rely on the next particulars:

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