Compare: Axis Flipkart vs ICICI Amazon vs HDFC Millennia - Credit Cards, Points and Miles

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I share my experience and knowledge on how to maximize points/miles on credit cards and get the maximum benefits while traveling or shopping or just about anything.

Monday, 26 August 2019

Compare: Axis Flipkart vs ICICI Amazon vs HDFC Millennia


With the top 3 banks having launched their cards targeting online shoppers aka millennials, it is an apt time to compare the three cards i.e. Flipkart Axis Bank Credit Card, Amazon Pay Credit Card and HDFC Bank Millennia Credit Card.

This is how the comparison looks like:
 
So which card is the best? 
I came up with a hypothetical expense chart with expenses spread out in various categories, and calculated which card gives maximum reward points. This is how it looks:

 











Verdict: 
Despite being with lots of T&C in terms of minimum transaction size, max reward cap etc, HDFC Millennia Credit card is the best among the three. Reason being 5% cashback on Amazon, Flipkart and flight tickets on its Payzapp and SmartBuy platform and 8 domestic lounge access.

Axis Flipkart card would be second primarily because of 4% cashback offers on MMT and GoIbibo along with 4 domestic lounge access.

However, between Axis Flipkart  and Amazon Pay its tough to make a choice as under hypothetical scenario it’s the flight expenses which is tilts the decision in favour of Axis Flipkart, someone who is not keen on flights and lounge access Amazon Pay card wins, as one can order nearly everything from Amazon and get 5% reward rate on those purchases.

6 comments:

  1. This comment has been removed by the author.

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  2. Consider the HDFC Diners Club International Card. There are couple of offers via flight portals. Plus there is free international lounge access too.
    Also the fees get waived if your spending is high.. Don't know the amount though.

    ReplyDelete
  3. Also the American Express Rewards Card gives you a card credit of INR 10,000 once you touch 24000 points. Each month you can earn 1000 points by doing 4 trnx of Rs 1000.
    Also card charges are waived based on spends

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